232 Ocean Pkwy, Ocean Pines (Berlin), MD 21811 Property Records

Worcester County property record for 232 Ocean Pkwy, Ocean Pines, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,484 sqft · built 1981
Lot Size	0.177 acres (7,700 sqft)
Owner	2 Individual Names on File
Last Sale	$409,000 (Jul 2023)
Tax Bill	$3,047 (2026)
Deeds & Mortgages	May 2021 Line of Credit Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-089398`

Property Details

APN / Parcel Number

Primary APN	`03-089398`
Alternative APN	`089398`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,484 sqft Total Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,700 sqft (0.177 acres)
Deck Area	100 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	089398
Street Address	232 OCEAN PKWY
City	BERLIN
State	MD
Zip	21811-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT B-01-047 7700 SQ FT OCEAN PKWAY PL OCEAN PINES SEC 1
Legal Subdivision	OCEAN PINES SEC 01
Legal Lot Number	47
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	3
Census Block	3003
Census Tract	950600

Owner

232 Ocean Pkwy is owned by two individuals who bought it in July 2023.

Source: Worcester County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 CARNENE RD, PASADENA, MD 21122-1101
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
May 24, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 14, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 10, 2017	Deed, Transfer · Stand-Alone First Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Prior Sale	Feb 10, 2017 · Amount on File
Deed Book / Page	8605 / 460
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	232 OCEAN PKWY, OCEAN PINES, MD 21811-1901
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080640018
Date	May 24, 2021
Book Page	8064/18

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 28, 2061

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 14, 2023
Property Address	232 OCEAN PKWY, OCEAN PINES, MD 21811-1901
Document Number	0086050460
Book / Page	8605 / 460
Map Reference	MB FWH 8 FO 20
Instrument Date	Jun 30, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,045.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8221 MILLFIELD CT, MILLERSVILLE, MD 21108-1325

Mortgage

Document Number	0086050465
Date	Jul 14, 2023
Instrument	8605-0465

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	232 OCEAN PKWY, BERLIN, MD 21811-1901
Document Number	0076900402
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 OCEAN PKWY OCEAN PINES MD 218111901, OCEAN PINES, MD 21811-1901

Mortgage

Document Number	0076900402
Date	Jun 29, 2020
Book Page	007690/000402

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Feb 10, 2017
Property Address	232 OCEAN PKWY, BERLIN, MD 21811-1901
Document Number	0069400036
Book / Page	6940 / 036
Map Reference	MB F W H NO.8 FO20
Instrument Date	Feb 3, 2017
Instrument	6940-036
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,129.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 OCEAN PKWY, BERLIN, MD 21811-1901

Mortgage

Document Number	6940043
Date	Feb 10, 2017
Instrument	6940-043

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 232 Ocean Pkwy was $3,047, up 12.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,047.00 (+12.23%)	$330,200	$366,200 Land $72,800 Building $293,400
2025	$2,715.00
2023	$2,110.00 Homeowner's exemption	$240,600 (+7.89%)	$258,200 (-) Land $72,800 Building $185,400
2022		$223,000	$258,200 Land $72,800 Building $185,400
2021	$1,965.00

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

Flood

FEMA maps place 232 Ocean Pkwy in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1984.

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 193 individual policies
Nearby Flood Policies	213 units insured incl. 20 condo units
Nearby Flood Claims	36 (1984–2019)
Claims Outside the SFHA	14 of 36
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 6 claims

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 232 Ocean Pkwy is low, with less than 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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	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

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 602 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ocean Pkwy

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