Worcester County property record for 38 Harpoon Rd, Ocean Pines, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,288 sqft · built 2003 |
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Jan 2019) |
| Tax Bill | $2,115 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-093298 |
| Primary APN | 03-093298 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,288 sqft Total Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,750 sqft (0.224 acres) |
| Porch | Slab |
| Porch Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 093298 |
|---|---|
| Street Address | 38 HARPOON RD |
| City | BERLIN |
| State | MD |
| Zip | 21811-1835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT B-06-714 9750 SQ FT HARPOON RD PL OCEAN PINES SEC 6 |
| Legal Subdivision | OCEAN PINES |
| Legal Lot Number | 714 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 5, OCEAN PINES |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 950600 |
Source: Worcester County records · APN 03-093298
Assessment roll updated July 31, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 38 HARPOON RD, BERLIN, MD 21811-1835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage APEX HOME LOANS INC |
| Aug 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage APEX HM LNS |
| Jan 04, 2019 | Grant Deed, Transfer · Conventional with PMI APEX HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 04, 2019 · Amount on Record |
| Deed Sale | Jan 04, 2019 · Amount on Record |
| Prior Sale | Jul 27, 2016 · Amount on Record |
| Deed Book / Page | 7347 / 298 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 38 HARPOON RD, OCEAN PINES, MD 21811-1835 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | OLD REPUBLIC NATL TTL INSURA |
| Name | Verified Name |
|---|
| Document Number | 0080430083 |
|---|---|
| Date | May 07, 2021 |
| Book Page | 8043/83 |
| Name | APEX HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 38 HARPOON RD, OCEAN PINES, MD 21811-1835 |
| Document Number | 0074850004 |
| Instrument Date | Aug 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | OMNI LAND SETTLEMENT CORPORATION, OMNI LAND SETTLEMENT CORP |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38 HARPOON RD BERLIN MD 218111835, BERLIN, MD 21811-1835 |
| Document Number | 0074850004 |
|---|---|
| Date | Sep 05, 2019 |
| Book Page | 007485/000004 |
| Name | APEX HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 04, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jan 04, 2019 |
| Property Address | 38 HARPOON RD, OCEAN PINES, MD 21811-1835 |
| Document Number | 0073470298 |
| Book / Page | 007347 / 000298 |
| Instrument Date | Dec 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 401 CARROLLWOOD RD MIDDLE RIVER MD 212203013, MIDDLE RIVER, MD 21220-3013 |
| Document Number | 73470305 |
|---|---|
| Date | Jan 04, 2019 |
| Book Page | 007347/000305 |
| Name | APEX HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 03, 2049 |
Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,300 (+32.91%) | $338,400 (+36.4%) Land $93,500 Building $244,900 | |
| 2025 | $2,115.00 (+3.88%) Homeowner's exemption | ||
| 2023 | $2,036.00 Homeowner's exemption | $231,967 | $248,100 Land $82,200 Building $165,900 |
Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240479506002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 26 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 13 (1979–2017) |
| Claims Outside the SFHA | 7 of 13 |
| Most Recent Claim | Aug 2017, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 517 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Mediacom Communications | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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