304 Ann Dr, Berlin, MD 21811 Property Records

Worcester County property record for 304 Ann Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,736 sqft · built 2002
Lot Size	0.65 acres (28,300 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Dec 2006)
Tax Bill	$6,110 (2026)
Deeds & Mortgages	May 2021 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-036804`

Property Details

APN / Parcel Number

Primary APN	`03-036804`
Alternative APN	`036804`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,736 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	28,300 sqft (0.65 acres)
Lot Dimensions	1 ft deep x 1 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Deck Area	220 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	036804
Street Address	304 ANN DR
City	BERLIN
State	MD
Zip	21811-1012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 32 135.62 X 156.84 ANN DRIVE PL FRANKLIN HTS SEC 1
Legal Subdivision	FRANKLIN HEIGHTS
Legal Lot Number	32
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3039
Census Tract	950800

Owner

304 Ann Dr is owned and occupied by two individuals who bought it in December 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	304 ANN DR, BERLIN, MD 21811-1012
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
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Dec 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST SHR FED'L S&L ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2006 · Amount on File
Deed Sale	Dec 21, 2006 · Amount on File
Prior Sale	May 23, 2002 · Amount on File
Deed Document Number	2006362568
Deed Book / Page	4839 / 592
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	304 ANN DR, BERLIN, MD 21811-1012
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080550383
Date	May 18, 2021
Book Page	8055/383

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	304 ANN DR, BERLIN, MD 21811-1012
Document Number	0073490191
Instrument Date	Dec 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	304 ANN DR BERLIN MD 218111012, BERLIN, MD 21811-1012

Mortgage

Document Number	0073490191
Date	Jan 9, 2019
Book Page	007349/000191

Lender

Name	FIRST SHR FED'L S&L ASSN
Type	Federal Savings Bank
Address	SALISBURY, MD 21801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 8, 2034

Interest

Rate	3.87%

Tax Assessment & Valuation

The 2026 property tax bill for 304 Ann Dr was $6,110 with a homeowner's exemption, up 2.7% 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	$6,110.00 (+2.74%) Homeowner's exemption	$364,833	$383,700 Land $96,100 Building $287,600
2025	$5,947.00 Homeowner's exemption
2023	$5,778.00 Homeowner's exemption	$323,800	$327,100 Land $96,100 Building $231,000

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

Flood

FEMA maps place 304 Ann Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.

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 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	6 (2003–2017)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2017

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 304 Ann Dr 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	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	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 103 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

May also be available: Choptank Fiber, Verizon.

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