3 Canal Rd, Ocean Pines (Berlin), MD 21811 Property Records

Worcester County property record for 3 Canal Rd, Ocean Pines, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,393 sqft · built 1984
Lot Size	0.216 acres (9,418 sqft)
Owner	Individual Name on Record
Last Sale	$277,000 (Mar 2021)
Tax Bill	$3,003 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-045951`

Property Details

APN / Parcel Number

Primary APN	`03-045951`
Alternative APN	`045951`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,393 sqft Total Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,418 sqft (0.216 acres)
Porch	Slab
Porch Area	196 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	045951
Street Address	3 CANAL RD
City	BERLIN
State	MD
Zip	21811-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-02-192 9418 SQ FT CANAL RD PL OCEAN PINES SEC 2
Legal Subdivision	OCEAN PINES
Legal Lot Number	192
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	2
Census Block	2032
Census Tract	950700

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	Individual Name on Record
Mailing Address	3 CANAL RD, BERLIN, MD 21811-1601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Mar 17, 2021	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2021 · Amount on Record
Deed Sale	Mar 17, 2021 · Amount on Record
Prior Sale	Oct 20, 2015 · Amount on Record
Deed Book / Page	7973 / 83
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	3 CANAL RD, OCEAN PINES, MD 21811-1601
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	ACCURATE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0076350054
Date	Apr 16, 2020
Book Page	7635/54

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Mar 17, 2021
Property Address	3 CANAL RD, OCEAN PINES, MD 21811-1601
Document Number	0079730083
Book / Page	7973 / 83
Map Reference	MB 11 PG 24
Instrument Date	Mar 15, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3 CANAL RD, BERLIN, MD 21811-1601

Mortgage

Document Number	0000797390
Date	Mar 17, 2021
Instrument	7973/90

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$3,003.00 (+8.76%)	$325,367 (+36.69%)	$351,600 (+28.84%) Land $93,300 Building $258,300
2025	$2,761.00 (+21.26%)
2023	$2,277.00	$238,033	$272,900 Land $82,000 Building $190,900

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 60 policies
Nearby Flood Policies	60 in force
Nearby Flood Claims	26 (1985–2015)
Claims Outside the SFHA	15 of 26
Most Recent Claim	Oct 2015 · tidal / storm surge
Claims by Event	Severe Snowfall & Winter Storm, Mar 1993 · 2 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 95% of the US · lower than 90% 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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