3 Sandy Cir, Ocean Pines (Berlin), MD 21811 Property Records

Worcester County property record for 3 Sandy Cir, Ocean Pines, MD 21811

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,944 sqft · built 1978
Lot Size	0.307 acres (13,363 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Dec 2020)
Tax Bill	$4,343 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-047377`

Property Details

APN / Parcel Number

Primary APN	`03-047377`
Alternative APN	`047377`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	1,944 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,363 sqft (0.307 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	200 sqft
Deck Area	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	047377
Street Address	3 SANDY CIR
City	BERLIN
State	MD
Zip	21811-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT C-01-536 13363 SQ FT SANDY CIRCLE PL OCEAN PINES SEC 1
Legal Subdivision	OCEAN PINES SEC 01
Legal Lot Number	536
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1006
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	2 Individual Names on Record
Mailing Address	1215 EUGENIA WAY, BEL AIR, MD 21014-2421
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2020	Grant Deed, Transfer · Conventional Mortgage FREEDOM FCU
Jul 24, 2017	Grant Deed, Transfer · Conventional Mortgage APEX HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on Record
Deed Sale	Dec 8, 2020 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Book / Page	7863 / 156
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 6, 2020
Property Address	3 SANDY CIR, OCEAN PINES, MD 21811-1511
Document Number	0078630156
Book / Page	007863 / 000156
Instrument Date	Aug 3, 2020
Transaction Type	Transfer
Record Updated	Dec 21, 2020
Title Company	NEW CASTLE TITLE COMPANY, NEW CASTLE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SANDY CIR OCEAN PINES MD 218111511, OCEAN PINES, MD 21811-1511

Mortgage

Document Number	78630161
Date	Dec 6, 2020
Book Page	007863/000161

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21015-6138

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2050

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 24, 2017
Property Address	3 SANDY CIR, OCEAN PINES, MD 21811-1511
Document Number	0070440185
Book / Page	007044 / 000185
Instrument Date	Jun 2, 2017
Transaction Type	Transfer
Record Updated	Aug 8, 2017
Title Company	FOUR SEASONS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	312 W MONROE ST EASTON PA 180421715, EASTON, PA 18042-1715

Mortgage

Document Number	70440189
Date	Jul 24, 2017
Book Page	007044/000189

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20852

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

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	$4,343.00 (+12.31%)	$470,600 (+34.8%)	$522,200 (+42.13%) Land $182,500 Building $339,700
2025	$3,867.00 (+15.78%)
2023	$3,340.00	$349,100	$367,400 Land $182,500 Building $184,900

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 155 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	155 in force
Nearby Flood Claims	26 (1985–2024)
Claims Outside the SFHA	14 of 26
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 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 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 540 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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