306 West St, Berlin, MD 21811 Property Records

Worcester County property record for 306 West St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 2003
Lot Size	0.497 acres (21,670 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jul 2017)
Tax Bill	$5,228 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Feb 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-028011`

Property Details

APN / Parcel Number

Primary APN	`03-028011`
Alternative APN	`028011`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Total Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,670 sqft (0.497 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	292 sqft
Shed	1 Shed
Shed Area	1,280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	028011
Street Address	306 WEST ST
City	BERLIN
State	MD
Zip	21811-9590
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	21,670 SQ FT BACK LOT W SIDE WEST ST BERLIN
Legal Subdivision	THOMAS J PATTON
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1048
Census Tract	951000

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	Individual Name on Record
Mailing Address	306 WEST ST, BERLIN, MD 21811-9590
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Deed of Trust, Mortgage · Line of Credit BAYFIRST NATIONAL BANK
Feb 14, 2023	Intrafamily Transfer, Transfer
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jul 13, 2017	Deed, Transfer · FHA Mortgage UNIVERSAL MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2017 · Amount on Record
Deed Sale	Jul 13, 2017 · Amount on Record
Prior Sale	Dec 15, 2015 · Amount on Record
Deed Document Number	20177038-175
Deed Book / Page	7038 / 175
Last Transfer Date	Dec 16, 2022
Transfer Doc	0085290386
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	306 WEST ST, BERLIN, MD 21811-9590
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 WEST ST, BERLIN, MD 21811-9590

Mortgage

Document Number	0085350253
Date	Feb 27, 2023
Book Page	8535/253

Lender

Name	BAYFIRST NATIONAL BANK
Type	Bank
Address	SAINT PETERSBURG, FL 33701

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Feb 14, 2023
Property Address	306 WEST ST, BERLIN, MD 21811-9590
Document Number	0085290386
Book / Page	8529 / 386
Map Reference	MB SVH 162 FO 2
Instrument Date	Dec 16, 2022
Transaction Type	Transfer
Record Updated	Feb 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 WEST ST, BERLIN, MD 21811-9590

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	306 WEST ST, BERLIN, MD 21811-9590
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078320298
Date	Nov 16, 2020
Book Page	7832/298

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 13, 2017
Property Address	306 WEST ST, BERLIN, MD 21811-9590
Document Number	0070380175
Book / Page	7038 / 175
Map Reference	MB SVG162 FO02
Instrument Date	Jul 11, 2017
Instrument	7038-175
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	CAPITOL TITLE INS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
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	306 WEST ST, BERLIN, MD 21811-9590

Mortgage

Document Number	0007038180
Date	Jul 13, 2017
Instrument	7038-180

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$5,228.00 (+3.1%) Homeowner's exemption	$375,900 (+13.5%)	$420,600 (-) Land $84,300 Building $336,300
2025	$5,071.00 (+6.42%) Homeowner's exemption	$331,200 (+21.99%)	$420,600 (+46.81%) Land $84,300 Building $336,300
2023	$4,765.00	$271,500	$286,500 Land $84,300 Building $202,200

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	0.02% 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 299 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: Verizon.

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