Worcester County property record for 3 Harpoon Rd, Ocean Pines, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,450 sqft · built 2022 |
| Lot Size | 0.198 acres (8,627 sqft) |
| Owner | Individual Name on File |
| Last Sale | $73,000 (Jun 2021) |
| Tax Bill | $2,918 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan Jun 2021 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-071154 |
| Primary APN | 03-071154 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,450 sqft Total Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,627 sqft (0.198 acres) |
| Porch | Slab |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 071154 |
|---|---|
| Street Address | 3 HARPOON RD |
| City | BERLIN |
| State | MD |
| Zip | 21811-1835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT B O6 667 8627 SQ FT HARPOON RD PLAT OCEAN PINES SEC 6 |
| Legal Subdivision | OCEAN PINES SEC 06 |
| Legal Lot Number | 667,B |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 5, OCEAN PINES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950600 |
Source: Worcester County records · APN 03-071154
Assessment roll updated July 31, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 3 HARPOON RD, BERLIN, MD 21811-1835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2022 | Deed of Trust, Mortgage · Construction Mortgage FULTON BANK NA |
| Jun 14, 2021 | Deed, Transfer · Line of Credit BANK OF OCEAN CITY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 14, 2021 · Amount on Record |
| Deed Sale | Jun 14, 2021 · Amount on Record |
| Deed Book / Page | 8087 / 121 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 3 HARPOON RD, OCEAN PINES, MD 21811-1835 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Title Company | NOT AVAILABLE, BRENNAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 33 SEAFARER LN, BERLIN, MD 21811-1850 |
| Document Number | 0083720263 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 8372/263 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | LANCASTER, PA 17602 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Mar 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.87% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jun 14, 2021 |
| Property Address | 3 HARPOON RD, OCEAN PINES, MD 21811-1835 |
| Document Number | 0080870121 |
| Book / Page | 8087 / 121 |
| Map Reference | MB FWH 12 FO 10 |
| Instrument Date | Jun 04, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Title Company | NOT AVAILABLE, BRENNAN TITLE COMAPNY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 33 SEAFARER LN, OCEAN PINES, MD 21811-1850 |
| Document Number | 0008087125 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 8087/125 |
| Name | BANK OF OCEAN CITY |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $359,700 (+21.85%) | $381,700 (+20.91%) Land $92,700 Building $289,000 | |
| 2025 | $2,918.00 (+3.29%) Homeowner's exemption | ||
| 2023 | $2,825.00 | $295,200 | $315,700 Land $81,400 Building $234,300 |
Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 9% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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