3 Arcadia Ct, Ocean Pines (Berlin), MD 21811 Property Records

Worcester County property record for 3 Arcadia Ct, Ocean Pines, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,206 sqft · built 2001
Lot Size	0.186 acres (8,093 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Oct 2022)
Tax Bill	$3,801 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-148424`

Property Details

APN / Parcel Number

Primary APN	`03-148424`
Alternative APN	`148424`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,206 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,093 sqft (0.186 acres)
Porch	Slab
Porch Area	520 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	148424
Street Address	3 ARCADIA CT
City	BERLIN
State	MD
Zip	21811-3336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3-R5
Legal Description	LOT 103 8093 SQ FT ARCADIA CT SEC 16 PARKE AT OCEAN PINES P2
Legal Subdivision	PARKE AT OCEAN PINES
Legal Lot Number	103
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	3
Census Block	3014
Census Tract	951101

Owner

3 Arcadia Ct is owned and occupied by two individuals who bought it in October 2022.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3 ARCADIA CT, BERLIN, MD 21811-3336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Oct 11, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2022 · Amount on File
Deed Sale	Oct 11, 2022 · Amount on File
Prior Sale	Jan 6, 2006 · Amount on File
Deed Book / Page	8472 / 306
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	3 ARCADIA CT, OCEAN PINES, MD 21811-3336
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	BAY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ARCADIA CT, OCEAN PINES, MD 21811-3336

Mortgage

Document Number	0090250178
Date	Oct 16, 2025
Book Page	9025/178

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Oct 11, 2022
Property Address	3 ARCADIA CT, OCEAN PINES, MD 21811-3336
Document Number	0084720306
Book / Page	8472 / 306
Map Reference	MB SVH163 FO 46
Instrument Date	Oct 5, 2022
Transaction Type	Transfer
Record Updated	Oct 24, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ARCADIA CT, BERLIN, MD 21811-3336

Mortgage

Document Number	0084720312
Date	Oct 11, 2022
Instrument	8472-0312

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 3 Arcadia Ct was $3,801 with a homeowner's exemption, up 0.8% 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	$3,801.00 (+0.8%) Homeowner's exemption	$462,533	$489,500 Land $57,000 Building $432,500
2025	$3,771.00 Homeowner's exemption
2023	$3,652.00	$381,667	$408,600 Land $57,000 Building $351,600

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

Flood

FEMA maps place 3 Arcadia Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.

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 206 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	281 units insured incl. 75 condo units
Nearby Flood Claims	4 (2011–2012)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 3 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 3 Arcadia Ct 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 94% of the US · lower than 89% 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	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 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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