4 Carriage Ln, Ocean Pines (Berlin), MD 21811 Property Records

Worcester County property record for 4 Carriage Ln, Ocean Pines, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,053 sqft · built 1977
Lot Size	0.35 acres (15,262 sqft)
Owner	2 Individual Names on Record
Last Sale	$645,000 (Sep 2021)
Tax Bill	$4,785 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`03-045757`

Property Details

APN / Parcel Number

Primary APN	`03-045757`
Alternative APNs	`3045757` `045757`

Interior

Full Baths	2 Baths
Building Area	1,053 sqft Total Area
Basement Area	1,053 sqft
Finished Basement	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,262 sqft (0.35 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	448 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	045757
Street Address	4 CARRIAGE LN
City	BERLIN
State	MD
Zip	21811-1593
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT W-01-617 15262 SQ FT CARRIAGE LANE PL OCEAN PINES SEC 1
Legal Subdivision	OCEAN PINES SEC 01
Legal Lot Number	617
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1006
Census Tract	950700

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	2041 MURDSTONE RD, PITTSBURGH, PA 15241-2242
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 15, 2021	Special Warranty Deed, Transfer · Conventional Mortgage WESBANCO BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Feb 23, 2015 · Amount on Record
Deed Book / Page	8167 / 39
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	4 CARRIAGE LN, OCEAN PINES, MD 21811-1593
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079500079
Date	Mar 1, 2021
Book Page	7950/79

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2050

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 15, 2021
Property Address	4 CARRIAGE LN, OCEAN PINES, MD 21811-1593
Document Number	0081670039
Book / Page	8167 / 39
Map Reference	MB FWH 8 FO 20
Instrument Date	Sep 8, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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

Mortgage

Document Number	0000816747
Date	Sep 15, 2021
Instrument	8167/47

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2036
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	1-Year CMT
Margin	3
Max Rate	7.62%

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	$4,785.00 (+5.51%)	$518,500 (+16.6%)	$545,600 (+17.51%) Land $188,000 Building $357,600
2025	$4,535.00 (+6.58%)
2023	$4,255.00	$444,700	$464,300 Land $188,000 Building $276,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 155 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	155 in force
Nearby Flood Claims	26 (1985–2024)
Claims Outside the SFHA	14 of 26
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 2 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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	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 602 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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