32 Gatehouse Trl, Berlin, MD 21811 Property Records

Worcester County property record for 32 Gatehouse Trl, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,008 sqft · built 1994
Lot Size	0.232 acres (10,105 sqft)
Owner	Individual Name on Record
Last Sale	$358,000 (Jun 2026)
Tax Bill	$2,378 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-105822`

Property Details

APN / Parcel Number

Primary APN	`03-105822`
Alternative APN	`105822`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,008 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,105 sqft (0.232 acres)
Porch	Slab
Porch Area	236 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	105822
Street Address	32 GATEHOUSE TRL
City	BERLIN
State	MD
Zip	21811-2023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-10-526 10105 SQ FT GATEHOUSE TRAIL PL OCEAN PINES SEC 10
Legal Subdivision	OCEAN PINES SEC 10
Legal Lot Number	526
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	2
Census Block	2014
Census Tract	951101

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	Individual Name on Record
Mailing Address	32 GATEHOUSE TRL, BERLIN, MD 21811-2023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed, Transfer · Conventional Mortgage EDUCATIONAL FEDERAL CREDIT UNION
Apr 9, 2024	Intrafamily Transfer, Transfer · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Aug 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage TITAN MUTUAL LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Sep 26, 2024 · Amount on Record
Deed Book / Page	9175 / 438
Prior Transfer Date	Mar 15, 2024
Prior Transfer Doc	0087350284
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jun 29, 2026
Property Address	32 GATEHOUSE TRL, BERLIN, MD 21811-2023
Document Number	9175000438
Book / Page	9175 / 438
Instrument Date	Jun 26, 2026
Transaction Type	Transfer
Record Updated	Jul 8, 2026
Title Company	OCEAN REEF TITLE, OCEAN INVESTMENTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,158.00
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	Sole Owner
Address	32 GATEHOUSE TRL, BERLIN, MD 21811-2023

Mortgage

Document Number	9175000444,
Date	Jun 29, 2026
Book Page	9175/444

Lender

Name	EDUCATIONAL FEDERAL CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Apr 9, 2024
Property Address	32 GATEHOUSE TRL, OCEAN PINES, MD 21811-2023
Document Number	0087350284
Book / Page	8735 / 284
Map Reference	MB FWH 14 FO 45
Instrument Date	Mar 15, 2024
Transaction Type	Transfer
Record Updated	Apr 26, 2024

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	Joint Tenants with Right of Survivorship
Address	32 GATEHOUSE TRL, OCEAN PINES, MD 21811-2023

Mortgage

Document Number	0087350289
Date	Apr 9, 2024
Instrument	8735-0289

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	32 GATEHOUSE TRL, OCEAN PINES, MD 21811-2023
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 GATEHOUSE TRL, BERLIN, MD 21811-2023

Mortgage

Document Number	0084390065
Date	Aug 8, 2022
Book Page	8439/65

Lender

Name	TITAN MUTUAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,378.00 (+0.98%) Homeowner's exemption	$276,033 (+8.18%)	$296,900 (-) Land $93,700 Building $203,200
2025	$2,355.00 (+14.93%) Homeowner's exemption	$255,167 (+19.16%)	$296,900 (+26.72%) Land $93,700 Building $203,200
2023	$2,049.00	$214,133	$234,300 Land $89,700 Building $144,600

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 62 policies
Nearby Flood Policies	62 in force

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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% 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	OCEAN PINES serves 11,890 people · EPA ID MD0230005
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2021–2023) 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 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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