323 Williams St, Berlin, MD 21811 Property Records

Worcester County property record for 323 Williams St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,420 sqft · built 2024
Lot Size	0.444 acres (19,328 sqft)
Owner	2 Individual Names on Record
Last Sale	$127,500 (Feb 2023)
Tax Bill	$6,490 (2026)
Deeds & Mortgages	May 2024 Construction Loan Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-031373`

Property Details

APN / Parcel Number

Primary APN	`03-031373`
Alternative APN	`031373`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,420 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,328 sqft (0.444 acres)
Lot Depth	2 ft Depth
Porch	Slab
Porch Area	162 sqft
Deck Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	031373
Street Address	323 WILLIAMS ST
City	BERLIN
State	MD
Zip	21811-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	75.5 X 253 W SIDE 323 WILLIAM ST BERLIN
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1026
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	2 Individual Names on Record
Mailing Address	323 WILLIAMS ST, BERLIN, MD 21811-1217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Deed of Trust, Mortgage · Construction Mortgage WATERSTONE MORTGAGE CORP
Feb 27, 2023	Deed, Transfer · Stand-Alone First Mortgage BRYANT D BUNTING & ETUX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2023 · Amount on Record
Deed Sale	Feb 27, 2023 · Amount on Record
Deed Book / Page	8535 / 325
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	323 WILLIAMS ST, BERLIN, MD 21811-1217
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 WILLIAMS ST, BERLIN, MD 21811-1217

Mortgage

Document Number	0087530324
Date	May 9, 2024
Book Page	8753/324

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2055

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Feb 27, 2023
Property Address	323 WILLIAMS ST, BERLIN, MD 21811-1217
Document Number	0085350325
Book / Page	8535 / 325
Instrument Date	Feb 24, 2023
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$637.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	319 WILLIAMS ST, BERLIN, MD 21811-1217

Mortgage

Document Number	0085350331
Date	Feb 27, 2023
Instrument	8535-0331

Lender

Name	BRYANT D BUNTING & ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Jun 24, 2023

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	$6,490.00 (+2.69%) Homeowner's exemption	$380,800 (+86.7%)	$399,700 (+78.04%) Land $106,700 Building $293,000
2025	$6,320.00 (+73.67%) Homeowner's exemption
2023	$3,639.00	$203,967	$224,500 Land $106,700 Building $117,800

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	0.01% 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	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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