310 N Main St, Berlin, MD 21811 Property Records

Worcester County property record for 310 N Main St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,648 sqft · built 1900
Lot Size	0.198 acres (8,624 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Oct 2025)
Tax Bill	$6,271 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-026094`

Property Details

APN / Parcel Number

Primary APN	`03-026094`
Alternative APN	`026094`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,648 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Lot Depth	1 ft Depth
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	208 sqft
Balcony Area	200 sqft
Shed	1 Shed
Shed Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026094
Street Address	310 N MAIN ST
City	BERLIN
State	MD
Zip	21811-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	8,624 SQ FT W SIDE 31O N MAIN STREET BERLIN
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3035
Census Tract	950800

Owner

310 N Main St is owned and occupied by two individuals who bought it in October 2025.

Source: Worcester County records, as of October 6, 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 File
Mailing Address	310 N MAIN ST, BERLIN, MD 21811-1006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORWICH COMMERCIAL GROUP INC
Oct 15, 2025	Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC
Sep 20, 2018	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025 · Amount on File
Deed Sale	Oct 15, 2025 · Amount on File
Prior Sale	Sep 20, 2018 · Amount on File
Deed Book / Page	9024 / 62
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	310 N MAIN ST, BERLIN, MD 21811-1006
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081500177
Date	Aug 26, 2021
Book Page	8150/177

Lender

Name	NORWICH COMMERCIAL GROUP INC
Type	Mortgage Company
Address	AVON, CT 06001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2031

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Oct 15, 2025
Property Address	310 N MAIN ST, BERLIN, MD 21811-1006
Document Number	0090240062
Book / Page	9024 / 62
Map Reference	LB 7288 FO 273
Instrument Date	Oct 10, 2025
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	310 N MAIN ST, BERLIN, MD 21811-1006

Mortgage

Document Number	0000902469
Date	Oct 15, 2025
Instrument	9024/69

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Max Rate	5%

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 20, 2018
Property Address	310 N MAIN ST, BERLIN, MD 21811-1006
Document Number	0072880268
Book / Page	7288 / 268
Instrument Date	Sep 13, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MARYLAND TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 N MAIN ST, 310, BERLIN, MD 21811-1006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 HINGHAM LN # 3, 3, BERLIN, MD 21811-1512

Mortgage

Document Number	0007288276
Date	Sep 20, 2018
Instrument	7288/276

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 310 N Main St was $6,271, up 8.7% 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	$6,271.00 (+8.68%)	$359,100 (+8.69%)	$387,800 (-) Land $102,600 Building $285,200
2025	$5,770.00	$330,400	$387,800 Land $102,600 Building $285,200
2023	$5,339.00	$299,200	$301,700 Land $102,600 Building $199,100

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

Flood

FEMA maps place 310 N Main St 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 310 N Main St is low, with a 0.01% 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	0.01% 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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