Worcester County property record for 25 Wharf Ct, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,486 sqft · built 1995 |
| Lot Size | 0.393 acres (17,126 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $615,000 (Oct 2020) |
| Tax Bill | $5,214 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-043266 |
| Primary APN | 03-043266 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,486 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 17,126 sqft (0.393 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 252 sqft |
| Deck Area | 776 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 043266 |
|---|---|
| Street Address | 25 WHARF CT |
| City | BERLIN |
| State | MD |
| Zip | 21811-1829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT W-05-217 17126 SQ FT WHARF COURT PLAT OCEAN PINES SEC 5 |
| Legal Subdivision | OCEAN PINES SEC 05 |
| Legal Lot Number | 217 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 5, OCEAN PINES |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 950600 |
25 Wharf Ct is owned and occupied by two individuals who bought it in October 2020.
Source: Worcester County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 25 WHARF CT, BERLIN, MD 21811-1829 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2020 · Amount on File |
| Deed Sale | Oct 27, 2020 · Amount on File |
| Prior Sale | Jul 29, 2004 · Amount on File |
| Deed Book / Page | 7811 / 1 |
| Transfer Doc | 0000310180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Oct 27, 2020 |
| Property Address | 25 WHARF CT, OCEAN PINES, MD 21811-1829 |
| Document Number | 0078110001 |
| Book / Page | 7811 / 1 |
| Map Reference | MB FWH 12 FO 3 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | MID ATLANTIC STLMT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 25 WHARF CT, BERLIN, MD 21811-1829 |
| Document Number | 0000078116 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 7811/6 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2040 |
The 2026 property tax bill for 25 Wharf Ct was $5,214 with a homeowner's exemption, up 1% from the year before.
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 | $5,214.00 (+0.99%) Homeowner's exemption | $650,067 (+7.57%) | $695,800 (-) Land $178,400 Building $517,400 |
| 2025 | $5,163.00 Homeowner's exemption | $604,333 | $695,800 Land $178,400 Building $517,400 |
| 2023 | $5,006.00 Homeowner's exemption | $536,233 | $558,600 Land $178,400 Building $380,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 25 Wharf Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 |
|
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 risk around 25 Wharf Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 320 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Xtream Cable | 1,000 / 50 |
5G (outdoors only) and 4G LTE
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