302 Franklin Ave, Berlin, MD 21811 Property Records

Worcester County property record for 302 Franklin Ave, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,174 sqft · built 1986
Lot Size	0.212 acres (9,231 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Sep 2026)
Tax Bill	$5,251 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-123235`

Property Details

APN / Parcel Number

Primary APN	`03-123235`
Alternative APN	`123235`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,174 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,231 sqft (0.212 acres)
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	123235
Street Address	302 FRANKLIN AVE
City	BERLIN
State	MD
Zip	21811-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 2 9231 SQ FT E S WILLIAMS ST SUB PL LDS OF PURNELL INC
Legal Subdivision	LANDS OF PURNELL INC
Legal Lot Number	2
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1022
Census Tract	951000

Owner

Source: Worcester County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	550 FOGWELL RD, CENTREVILLE, MD 21617-2132
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION
Nov 25, 2025	Deed, Transfer
Oct 1, 2018	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Nov 25, 2025 · Amount on Record
Deed Book / Page	9228 / 389
Prior Transfer Date	Sep 13, 2018
Prior Transfer Doc	0072940273
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 30, 2026
Property Address	302 FRANKLIN AVE, BERLIN, MD 21811-1212
Document Number	9228000389
Book / Page	9228 / 389
Instrument Date	Sep 28, 2026
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	550 FOGWELL RD, CENTREVILLE, MD 21617-2132

Mortgage

Document Number	9228000395,
Date	Sep 30, 2026
Book Page	9228/395

Lender

Name	SWBC MORTGAGE CORPORATION

Agreement

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

Interest

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

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Nov 25, 2025
Property Address	302 FRANKLIN AVE, BERLIN, MD 21811-1212
Document Number	0090460407
Book / Page	9046 / 407
Map Reference	MB 103 FO 46
Instrument Date	Oct 31, 2025
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Amount	Amount Recorded
Tax	$1,625.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 COCKEYSVILLE RD, COCKEYSVILLE, MD 21030-2174

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Oct 1, 2018
Property Address	302 FRANKLIN AVE, BERLIN, MD 21811-1212
Document Number	0072940273
Book / Page	7294 / 273
Map Reference	MB WCL103 FO46
Instrument Date	Sep 13, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	RESOURCE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 FRANKLIN AVE, BERLIN, MD 21811-1212

Mortgage

Document Number	0007294280
Date	Oct 1, 2018
Instrument	7294/280

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	LIBOR
Margin	2
Max Rate	7%

Tax Assessment & Valuation

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	$5,251.00 (+37.64%)	$300,700 (+11.45%)	$331,600 (-) Land $103,200 Building $228,400
2025	$3,815.00 (+6.89%) Homeowner's exemption	$269,800 (+18.96%)	$331,600 (+38.8%) Land $103,200 Building $228,400
2023	$3,569.00 Homeowner's exemption	$226,800	$238,900 Land $103,200 Building $135,700

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	0.01% 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	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 174 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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