228 Powell Cir, Berlin, MD 21811 Property Records

Worcester County property record for 228 Powell Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,788 sqft · built 2005
Lot Size	0.61 acres (26,556 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Jan 2024)
Tax Bill	$9,089 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-161730`

Property Details

APN / Parcel Number

Primary APN	`03-161730`
Alternative APN	`161730`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,788 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,556 sqft (0.61 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft
Deck Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	161730
Street Address	228 POWELL CIR
City	BERLIN
State	MD
Zip	21811-1184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 46 26,556 SQ FT PL 188/28 POWELL CIR FRANKLIN KNOLL SUBD
Legal Subdivision	POWELL CIR FRANKLIN KNOLL SUB
Legal Lot Number	46
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3040
Census Tract	950800

Owner

228 Powell Cir is owned and occupied by an individual who bought it in January 2024.

Source: Worcester County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	228 POWELL CIR, BERLIN, MD 21811-1184
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Line of Credit FEDERAL FINANCIAL FEDERAL CREDIT UNION
Jan 30, 2024	Deed, Transfer · Conventional Mortgage NORWICH COMMERCIAL GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2024 · Amount on File
Deed Sale	Jan 30, 2024 · Amount on File
Prior Sale	Jul 7, 2010 · Amount on File
Deed Book / Page	8702 / 187
Prior Transfer Date	Jun 24, 2010
Prior Transfer Doc	0054960253
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	Oct 5, 2026
Property Address	228 POWELL CIR, BERLIN, MD 21811-1184
Document Number	9231000134
Book / Page	9231 / 134
Instrument Date	Sep 18, 2026
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 POWELL CIR, BERLIN, MD 21811-1184

Mortgage

Document Number	9231000134,
Date	Oct 5, 2026
Book Page	9231/134

Lender

Name	FEDERAL FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 30, 2046

Interest

Rate Type	Adjustable Rate
Rate	2.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jan 30, 2024
Property Address	228 POWELL CIR, BERLIN, MD 21811-1184
Document Number	0087020187
Book / Page	8702 / 187
Map Reference	MB SVH188 FO 028
Instrument Date	Jan 26, 2024
Transaction Type	Transfer
Record Updated	Mar 18, 2024
Title Company	NOT AVAILABLE, MARYLAND TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 POWELL CIR, BERLIN, MD 21811-1184

Mortgage

Document Number	0087020193
Date	Jan 30, 2024
Instrument	8702-0193

Lender

Name	NORWICH COMMERCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 228 Powell Cir was $9,089 with a homeowner's exemption, up 3% from the year before.

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Municipality	Berlin Town
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,089.00 (+3.04%) Homeowner's exemption	$593,400 (+10.19%)	$648,300 (-) Land $95,900 Building $552,400
2025	$8,821.00 Homeowner's exemption	$538,500	$648,300 Land $95,900 Building $552,400
2023	$7,431.00 Homeowner's exemption	$470,867	$483,600 Land $95,900 Building $387,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 228 Powell Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	6 (2003–2017)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2017

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.

Wildfire

Wildfire risk around 228 Powell Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BERLIN serves 4,500 people · EPA ID MD0230001
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Choptank Fiber, Verizon.

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