3 Beach Ct, Berlin, MD 21811 Property Records

Worcester County property record for 3 Beach Ct, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,400 sqft · built 1973
Lot Size	0.211 acres (9,210 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (May 2026)
Tax Bill	$5,294 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`03-094685`

Property Details

APN / Parcel Number

Primary APN	`03-094685`
Alternative APN	`094685`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,400 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,210 sqft (0.211 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	340 sqft
Deck Area	382 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	094685
Street Address	3 BEACH CT
City	BERLIN
State	MD
Zip	21811-1527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT C-04-204 9210 SQ FT BEACH COURT PL OCEAN PINES SEC 4
Legal Subdivision	OCEAN PINES
Legal Lot Number	204
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1001
Census Tract	950600

Owner

Source: Worcester County records, as of October 6, 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 Record
Mailing Address	3 BEACH CT, BERLIN, MD 21811-1527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOAN
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS
Dec 12, 2018	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS
Oct 17, 2018	Trustee's Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Dec 12, 2018 · Amount on Record
Deed Book / Page	9155 / 482
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 27, 2026
Property Address	3 BEACH CT, BERLIN, MD 21811-1527
Document Number	9155000482
Book / Page	9155 / 482
Instrument Date	May 15, 2026
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72,215.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 BEACH CT, BERLIN, MD 21811-1527

Mortgage

Document Number	9155000488,
Date	May 27, 2026
Book Page	9155/488

Lender

Name	DIRECT MORTGAGE LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	3 BEACH CT, OCEAN PINES, MD 21811-1527
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083080372
Date	Feb 10, 2022
Book Page	8308/372

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	3 BEACH CT, OCEAN PINES, MD 21811-1527
Document Number	0076480441
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	BRENNAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 BEACH CT OCEAN PINES MD 218111527, OCEAN PINES, MD 21811-1527

Mortgage

Document Number	0076480441
Date	May 4, 2020
Book Page	007648/000441

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 12, 2018
Property Address	3 BEACH CT, OCEAN PINES, MD 21811-1527
Document Number	0073360025
Book / Page	007336 / 000025
Instrument Date	Dec 8, 2018
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	OCEAN INVS TITLE CORPORATION, OCEAN INVS TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 BEACH CT OCEAN PINES MD 218111527, OCEAN PINES, MD 21811-1527

Mortgage

Document Number	73360031
Date	Dec 12, 2018
Book Page	007336/000031

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2048

October 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WORCESTER MD
Recording Date	Oct 17, 2018
Property Address	3 BEACH CT, OCEAN PINES, MD 21811-1527
Document Number	0073040124
Book / Page	007304 / 000124
Instrument Date	Aug 7, 2018
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$227.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2719 OLD LIBERTY RD NEW WINDSOR MD 217768015, NEW WINDSOR, MD 21776-8015

Tax Assessment & Valuation

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	$5,294.00 (+28.84%)	$573,633 (+11.59%)	$633,200 (-) Land $200,600 Building $432,600
2025	$4,109.00 (+3.48%) Homeowner's exemption	$514,067 (+18.75%)	$633,200 (+39.32%) Land $200,600 Building $432,600
2023	$3,971.00 Homeowner's exemption	$432,900	$454,500 Land $181,100 Building $273,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 351 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	388 units insured incl. 37 condo units
Nearby Flood Claims	78 (1978–2021)
Claims Outside the SFHA	13 of 78
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Isabel, Sep 2003 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 467 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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