302 Bay St, Berlin, MD 21811 Property Records

Worcester County property record for 302 Bay St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,371 sqft · built 1900
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Oct 2018)
Tax Bill	$8,505 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-030407`

Property Details

APN / Parcel Number

Primary APN	`03-030407`
Alternative APN	`030407`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,371 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	344 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	030407
Street Address	302 BAY ST
City	BERLIN
State	MD
Zip	21811-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	155.76 X 267.3 X 33 X 116.82 S SIDE 302 BAY ST
Legal Subdivision	LEVY M HATHAWAY PROPERTY
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1042
Census Tract	951000

Owner

302 Bay St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	302 BAY ST, BERLIN, MD 21811-1208
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
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 4, 2018	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on File
Deed Sale	Oct 4, 2018 · Amount on File
Prior Sale	Sep 16, 2013 · Amount on File
Deed Book / Page	7297 / 153
Prior Transfer Date	Aug 6, 2013
Prior Transfer Doc	0062420168
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	302 BAY ST, BERLIN, MD 21811-1208
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	REAL ESTATE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0075270234
Date	Nov 5, 2019
Book Page	7527/234

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	7 Months
Due	Nov 1, 2049

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Oct 4, 2018
Property Address	302 BAY ST, BERLIN, MD 21811-1208
Document Number	0072970153
Book / Page	7297 / 153
Instrument Date	Sep 28, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BRENNAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	302 BAY ST, BERLIN, MD 21811-1208

Mortgage

Document Number	0007297161
Date	Oct 4, 2018
Instrument	7297/161

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 302 Bay St was $8,505 with a homeowner's exemption, up 2.8% from the year before.

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Municipality	Berlin Town
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,505.00 (+2.77%) Homeowner's exemption	$513,067	$542,100 Land $84,000 Building $458,100
2025	$8,276.00 Homeowner's exemption
2023	$8,032.00	$450,133	$455,000 Land $84,000 Building $371,000

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

Flood

FEMA maps place 302 Bay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 individual policies
Nearby Flood Policies	27 units insured incl. 3 condo units
Nearby Flood Claims	13 (1992–2020)
Claims Outside the SFHA	12 of 13
Most Recent Claim	Jul 2020 · rainfall accumulation
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

Wildfire risk around 302 Bay St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% 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	TOWN OF BERLIN serves 4,500 people · EPA ID MD0230001
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	5 ppb (2022–2024) 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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