Worcester County property record for 2203 Points Reach, Berlin, MD 21811
| Property Type | Condominium |
|---|---|
| Details | 3 ba · 1,896 sqft · built 2005 |
| Lot Size | 0.022 acres (976 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Dec 2017) |
| Tax Bill | $3,214 (2026) |
| Deeds & Mortgages | Mar 2020 Mortgage Jul 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165779 |
| Primary APN | 03-165779 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 1,896 sqft Total Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Siding |
| Lot Area | 976 sqft (0.022 acres) |
| Account Number | 165779 |
|---|---|
| Street Address | 2203 POINTS REACH |
| City | BERLIN |
| State | MD |
| Zip | 21811-4215 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | U 2203 PH 3 E OF OCEAN PARKWAY POINTS REACH CM |
| Legal Subdivision | POINTS REACH CONDOMINIUM |
| Legal Phase | 3 |
| Legal Lot Number | 2203 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 5, OCEAN PINES |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 951101 |
Source: Worcester County records, as of October 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2203 POINTS REACH, BERLIN, MD 21811-4215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Jul 27, 2022 | Intrafamily Transfer, Transfer |
| Dec 26, 2017 | Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2017 · Amount on Record |
| Deed Sale | Dec 26, 2017 · Amount on Record |
| Prior Sale | Sep 1, 2015 · Amount on Record |
| Deed Document Number | 20177139-350 |
| Deed Book / Page | 7139 / 350 |
| Last Transfer Date | Jul 15, 2022 |
| Transfer Doc | 0084310339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 2203 POINTS REACH, OCEAN PINES, MD 21811-4215 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0076070344 |
|---|---|
| Date | Mar 4, 2020 |
| Book Page | 7607/344 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Feb 1, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jul 27, 2022 |
| Property Address | 2203 POINTS REACH, OCEAN PINES, MD 21811-4215 |
| Document Number | 0084310339 |
| Book / Page | 8431 / 339 |
| Map Reference | LB 4261 FO 721 |
| Instrument Date | Jul 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Dec 26, 2017 |
| Property Address | 2203 POINTS REACH, OCEAN PINES, MD 21811-4215 |
| Document Number | 0071390350 |
| Book / Page | 007139 / 000350 |
| Instrument Date | Dec 20, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2018 |
| Title Company | CAPITAL TITLE INSURANCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 936 BAY RIDGE AVE #101 ANNAPOLIS MD 214033011, 101, ANNAPOLIS, MD 21403-3011 |
| Document Number | 71390356 |
|---|---|
| Date | Dec 26, 2017 |
| Book Page | 007139/000356 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 25, 2047 |
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,214.00 (+1.13%) Homeowner's exemption | $395,000 (+8.7%) | $426,600 (-) Land $213,300 Building $213,300 |
| 2025 | $3,178.00 (+2.88%) Homeowner's exemption | $363,400 (+12.55%) | $426,600 (+28.57%) Land $213,300 Building $213,300 |
| 2023 | $3,089.00 | $322,867 | $331,800 Land $165,900 Building $165,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 206 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 281 units insured incl. 75 condo units |
| Nearby Flood Claims | 4 (2011–2012) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OCEAN PINES serves 11,890 people · EPA ID MD0230005 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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