23 Serf Pl, Berlin, MD 21811 Property Records

Worcester County property record for 23 Serf Pl, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,152 sqft · built 1985
Lot Size	0.24 acres (10,458 sqft)
Owner	Individual Name on File
Tax Bill	$1,492 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-101207`

Property Details

APN / Parcel Number

Primary APN	`03-101207`
Alternative APN	`101207`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Total Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,458 sqft (0.24 acres)
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	101207
Street Address	23 SERF PL
City	BERLIN
State	MD
Zip	21811-1665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-10-307 10458 SQ FT SERF PLACE PL OCEAN PINES SEC 10
Legal Subdivision	OCEAN PINES SEC 10
Legal Lot Number	307
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	2
Census Block	2002
Census Tract	951101

Owner

Source: Worcester County records · APN 03-101207

Assessment roll updated July 31, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	23 SERF PL, BERLIN, MD 21811-1665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	23 SERF PL, BERLIN, MD 21811-1665
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 SERF PL, BERLIN, MD 21811-1665

Mortgage

Document Number	0082780295
Date	Jan 06, 2022
Book Page	8278/295

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2051

Tax Assessment & Valuation

Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$243,567 (+31.59%)	$263,000 (+28.48%) Land $93,800 Building $169,200
2025	$1,492.00 (+4.56%) Homeowner's exemption
2023	$1,427.00 Homeowner's exemption	$185,100	$204,700 Land $89,800 Building $114,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 62 policies
Nearby Flood Policies	62 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 285 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCEAN PINES serves 11,890 people
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2021–2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.