3 Fort Sumter N, Berlin, MD 21811 Property Records

Worcester County property record for 3 Fort Sumter N, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,080 sqft · built 2002
Lot Size	0.165 acres (7,209 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (May 2026)
Tax Bill	$3,474 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-148084`

Property Details

APN / Parcel Number

Primary APN	`03-148084`
Alternative APN	`148084`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,080 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,209 sqft (0.165 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	148084
Street Address	3 FORT SUMTER N
City	BERLIN
State	MD
Zip	21811-3805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3-R5
Legal Description	LOT 72 7209 SQ FT FT SUMTER NORTH SEC 16 PARKE AT OCEAN PINES P2
Legal Subdivision	PARKE AT OCEAN PINES
Legal Lot Number	72
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	3
Census Block	3003
Census Tract	951101

Owner

Source: Worcester County records, as of August 18, 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 FORT SUMTER N, BERLIN, MD 21811-3805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Special Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Nov 12, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Prior Sale	Aug 15, 2013 · Amount on Record
Deed Book / Page	9146 / 205
Prior Transfer Date	Nov 30, 2012
Prior Transfer Doc	0060310255
Record Updated	Sep 20, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WORCESTER MD
Recording Date	May 12, 2026
Property Address	3 FORT SUMTER N, BERLIN, MD 21811-3805
Document Number	9146000205
Book / Page	9146 / 205
Instrument Date	Apr 27, 2026
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	CAPITAL TITLE, CAPITOL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,095.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3 FORT SUMTER N, BERLIN, MD 21811-3805

Mortgage

Document Number	9146000215,
Date	May 12, 2026
Book Page	9146/215

Lender

Name	CMG MORTGAGE INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Nov 12, 2025
Property Address	3 FORT SUMTER N, OCEAN PINES, MD 21811-3805
Document Number	0090400120
Book / Page	9040 / 120
Map Reference	MB 163 FO 55
Instrument Date	Oct 24, 2025
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FORT SUMTER N, BERLIN, MD 21811-3805

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

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		$481,733 (+9.64%)	$524,100 (-) Land $56,600 Building $467,500
2025	$3,474.00 (+3.73%) Homeowner's exemption	$439,367 (+17.58%)	$524,100 (+32.02%) Land $56,600 Building $467,500
2023	$3,349.00 Homeowner's exemption	$373,667	$397,000 Land $56,600 Building $340,400

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 92% 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 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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