24 Harpoon Rd, Berlin, MD 21811 Property Records

Worcester County property record for 24 Harpoon Rd, Berlin, MD 21811 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,927 sqft · built 1996
Lot Size	0.224 acres (9,750 sqft)
Owner	2 Individual Names on File
Last Sale	$272,551 (Feb 2020)
Tax Bill	$3,300 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-038998`

Property Details

APN / Parcel Number

Primary APN	`03-038998`
Alternative APN	`038998`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,927 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	282 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	038998
Street Address	24 HARPOON RD
City	BERLIN
State	MD
Zip	21811-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B-06-721 9750 SQ FT HARPOON RD PL OCEAN PINES SEC 6
Legal Subdivision	OCEAN PINES SEC 06
Legal Lot Number	721
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	2
Census Block	2011
Census Tract	950600

Owner

Source: Worcester County records · APN 03-038998

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	2 Individual Names on File
Mailing Address	24 HARPOON RD, BERLIN, MD 21811-1835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Feb 24, 2020	Special Warranty Deed, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jan 24, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Jan 24, 2019 · Amount on Record
Deed Book / Page	7600 / 462
Transfer Doc	0035320409
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	24 HARPOON RD, OCEAN PINES, MD 21811-1835
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080010003
Date	Apr 06, 2021
Book Page	8001/3

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 01, 2050

February 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WORCESTER MD
Recording Date	Feb 24, 2020
Property Address	24 HARPOON RD, OCEAN PINES, MD 21811-1835
Document Number	0076000462
Book / Page	7600 / 462
Map Reference	MB FAVH 12 FO 10
Instrument Date	Aug 13, 2019
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2741, SEAL BEACH, CA 90740-1741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 HARPOON RD, BERLIN, MD 21811-1835

Mortgage

Document Number	0007600466
Date	Feb 24, 2020
Instrument	7600/466

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Sep 01, 2049

January 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WORCESTER MD
Recording Date	Jan 24, 2019
Property Address	24 HARPOON RD, OCEAN PINES, MD 21811-1835
Document Number	0073560108
Book / Page	007356 / 000108
Instrument Date	Nov 09, 2018
Transaction Type	Foreclosure
Record Updated	Feb 08, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$182.90
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	8180 E KAISER BLVD ANAHEIM CA 928082277, ANAHEIM, CA 92808-2277

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		$382,067 (+6.86%)	$406,600 (-) Land $93,500 Building $313,100
2025	$3,300.00 (+13.52%)	$357,533 (+17.69%)	$406,600 (+22.1%) Land $93,500 Building $313,100
2023	$2,907.00	$303,800	$333,000 Land $82,200 Building $250,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240479506002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 26 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	13 (1979–2017)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Aug 2017, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 517 locations within about half a mile of this property

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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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