3 Harbormist Cir, Berlin, MD 21811 Property Records

Worcester County property record for 3 Harbormist Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,536 sqft · built 1977
Lot Size	0.177 acres (7,700 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (Dec 2023)
Tax Bill	$2,057 (2026)
Deeds & Mortgages	Dec 2024 Transfer Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-052109`

Property Details

APN / Parcel Number

Primary APN	`03-052109`
Alternative APN	`052109`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,536 sqft Total Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,700 sqft (0.177 acres)
Garage Type	Carport
Garage Area	384 sqft
Carport	Carport
Carport Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	180 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	052109
Street Address	3 HARBORMIST CIR
City	BERLIN
State	MD
Zip	21811-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT B-01-255 7700 SQ FT HARBORMIST CIRCLE PL OCEAN PINES SEC 1
Legal Subdivision	OCEAN PINES SEC 01
Legal Lot Number	255
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	3
Census Block	3005
Census Tract	950600

Owner

3 Harbormist Cir is owned and occupied by two individuals who acquired it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 HARBORMIST CIR, BERLIN, MD 21811-1804
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2024	Intrafamily Transfer, Transfer
Dec 20, 2023	Deed, Transfer · Conventional Mortgage NFM INC
Sep 27, 2023	Deed, Transfer · Stand-Alone First Mortgage SBS OF OC LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on File
Deed Sale	Dec 20, 2023 · Amount on File
Prior Sale	Sep 27, 2023 · Amount on File
Deed Book / Page	8685 / 200
Last Transfer Date	Nov 27, 2024
Transfer Doc	0088610096
Record Updated	Oct 29, 2026

December 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Dec 4, 2024
Property Address	3 HARBORMIST CIR, OCEAN PINES, MD 21811-1804
Document Number	0088610096
Book / Page	8861 / 96
Map Reference	LB 8685 FL 200
Instrument Date	Nov 27, 2024
Transaction Type	Transfer
Record Updated	Jan 20, 2026

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
Relationship	Tenants by the Entirety
Address	6200 COASTAL HWY STE 300, 300, OCEAN CITY, MD 21842-6698

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 20, 2023
Property Address	3 HARBORMIST CIR, OCEAN PINES, MD 21811-1804
Document Number	0086850200
Book / Page	8685 / 200
Map Reference	MB FWH 8 FO 20
Instrument Date	Dec 15, 2023
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$797.50
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 HARBORMIST CIR, OCEAN PINES, MD 21811-1804

Mortgage

Document Number	0086850206
Date	Dec 20, 2023
Instrument	8685-0206

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 27, 2023
Property Address	3 HARBORMIST CIR, OCEAN PINES, MD 21811-1804
Document Number	0086440297
Book / Page	8644 / 297
Map Reference	MB 8 FO 20
Instrument Date	Sep 26, 2023
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,235.00
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	10440 GOLF COURSE RD, OCEAN CITY, MD 21842-9102

Mortgage

Document Number	0086440300
Date	Sep 27, 2023
Instrument	8644-0300

Lender

Name	SBS OF OC LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3 Harbormist Cir was $2,057 with a homeowner's exemption, up 1.3% 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	$2,057.00 (+1.28%) Homeowner's exemption	$274,767 (+12.92%)	$306,200 (-) Land $80,700 Building $225,500
2025	$2,031.00 Homeowner's exemption	$243,333	$306,200 Land $80,700 Building $225,500
2023	$1,881.00	$196,600	$211,900 Land $80,700 Building $131,200

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

Flood

FEMA maps place 3 Harbormist Cir in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1984.

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 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	Hurricane Sandy, Oct 2012 · 6 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 Harbormist Cir is low, with less than 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	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 494 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

Cell Coverage

5G (outdoors only) and 4G LTE

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