Worcester County property record for 4 Garrett Dr, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 864 sqft · built 1980 |
| Lot Size | 0.226 acres (9,861 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $139,900 (Dec 2018) |
| Tax Bill | $2,102 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-070360 |
| Primary APN | 03-070360 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 864 sqft Total Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,861 sqft (0.226 acres) |
| Deck Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 070360 |
|---|---|
| Street Address | 4 GARRETT DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-1856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT B-06-393 9861 SQ FT GARETT DR PL OCEAN PINES SEC 6 |
| Legal Subdivision | HUNTINGTON |
| Legal Lot Number | 393 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 5, OCEAN PINES |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 950600 |
4 Garrett Dr is owned and occupied by two individuals who bought it in December 2018.
Source: Worcester County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 GARRETT DR, BERLIN, MD 21811-1856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 6, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 3, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 17, 2019 | Quit Claim Deed, Transfer INHOUSE TITLE COMPANY, IN-HOUSE TITLE CO |
| Dec 31, 2018 | Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2018 · Amount on File |
| Deed Sale | Dec 31, 2018 · Amount on File |
| Prior Sale | Apr 23, 2010 · Amount on File |
| Deed Book / Page | 7345 / 222 |
| Prior Transfer Date | Aug 31, 2004 |
| Prior Transfer Doc | 0043190272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 4 GARRETT DR, OCEAN PINES, MD 21811-1856 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4 GARRETT DR, OCEAN PINES, MD 21811-1856 |
| Document Number | 0084540021 |
|---|---|
| Date | Sep 6, 2022 |
| Book Page | 8454/21 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Aug 5, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 4 GARRETT DR, OCEAN PINES, MD 21811-1856 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0074830247 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 7483/247 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Oct 17, 2019 |
| Property Address | 4 GARRETT DR, OCEAN PINES, MD 21811-1856 |
| Document Number | 0075140217 |
| Book / Page | 007514 / 000217 |
| Instrument Date | Oct 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2019 |
| Title Company | INHOUSE TITLE COMPANY, IN-HOUSE TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4 GARRETT DR OCEAN PINES MD 218111856, OCEAN PINES, MD 21811-1856 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Dec 31, 2018 |
| Property Address | 4 GARRETT DR, OCEAN PINES, MD 21811-1856 |
| Document Number | 0073450222 |
| Book / Page | 7345 / 222 |
| Map Reference | MB FWH12 FO 10 |
| Instrument Date | Dec 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | IN HOUSE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $799.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4 GARRETT DR, BERLIN, MD 21811-1856 |
| Document Number | 0007345228 |
|---|---|
| Date | Dec 31, 2018 |
| Instrument | 7345/228 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2026 property tax bill for 4 Garrett Dr was $2,102, up 9.8% from the year before.
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,102.00 (+9.77%) | $227,800 (+9.78%) | $248,100 (-) Land $93,600 Building $154,500 |
| 2025 | $1,915.00 | $207,500 | $248,100 Land $93,600 Building $154,500 |
| 2023 | $1,644.00 | $171,800 | $187,200 Land $82,300 Building $104,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Garrett Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 26 policies |
| 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 |
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 risk around 4 Garrett Dr is low, with less than a 0.01% annual chance of 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 89% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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