317 Bay St, Berlin, MD 21811 Property Records

Worcester County property record for 317 Bay St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,944 sqft · built 1930
Lot Size	0.659 acres (28,694 sqft)
Owner	2 Individual Names on Record
Last Sale	$536,750 (Jul 2023)
Tax Bill	$5,958 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-034003`

Property Details

APN / Parcel Number

Primary APN	`03-034003`
Alternative APN	`034003`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,944 sqft Total Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	28,694 sqft (0.659 acres)
Lot Depth	2 ft Depth

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Shed	1 Shed
Shed Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	034003
Street Address	317 BAY ST
City	BERLIN
State	MD
Zip	21811-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	61 25 X 206 09 & BACK LOT N E SIDE 317 BAY ST BERLIN
Jurisdiction	WORCESTER MD
Township / Civil Division	2, CENTRAL
Census Block Group	1
Census Block	1043
Census Tract	951000

Owner

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 Record
Mailing Address	317 BAY ST, BERLIN, MD 21811-1207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 27, 2023	Intrafamily Transfer, Transfer OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP
Jun 18, 2019	Loan Modification, Mortgage CALVIN B TAYLOR BKNG
Mar 24, 2017	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on Record
Deed Sale	Jul 14, 2023 · Amount on Record
Prior Sale	Jul 1, 2003 · Amount on Record
Deed Book / Page	8605 / 364
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 14, 2023
Property Address	317 BAY ST, BERLIN, MD 21811-1207
Document Number	0086050364
Book / Page	8605 / 364
Instrument Date	Jun 30, 2023
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,341.88
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	317 BAY ST, BERLIN, MD 21811-1207

Mortgage

Document Number	0086050373
Date	Jul 14, 2023
Instrument	8605-0373

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Jun 27, 2023
Property Address	317 BAY ST, BERLIN, MD 21811-1207
Document Number	0085960346
Book / Page	8596 / 346
Map Reference	LB RHO 2179 FO 291
Instrument Date	Jun 22, 2023
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP

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
Relationship	Tenants by the Entirety
Address	317 BAY ST, BERLIN, MD 21811-1207

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WORCESTER MD
Property Address	317 BAY ST, BERLIN, MD 21811-1207
Document Number	0074440485
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 WEST ST BERLIN MD 218119590, BERLIN, MD 21811-9590

Mortgage

Document Number	0074440485
Date	Jun 26, 2019
Book Page	007444/000485

Lender

Name	CALVIN B TAYLOR BKNG
Type	Funding / Finance Company
Address	BERLIN, MD 21811

Agreement

Term	216 Months
Due	Jun 25, 2037

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	317 BAY ST, BERLIN, MD 21811-1207
Document Number	0069740175
Book / Page	006974 / 000175
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 21, 2017
Title Company	CLOSELINE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 BAY ST BERLIN MD 218111207, BERLIN, MD 21811-1207

Mortgage

Document Number	0069740175
Date	Apr 11, 2017
Book Page	006974/000175

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 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	$5,958.00 (+10.35%)	$341,200 (+31.16%)	$373,200 (+34.63%) Land $107,600 Building $265,600
2025	$5,399.00 (+16.31%)
2023	$4,642.00 (+15.93%)	$260,133 (+7.02%)	$277,200 (-) Land $107,600 Building $169,600
2022		$243,067	$277,200 Land $107,600 Building $169,600
2021	$4,004.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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