4 Harbormist Cir, Berlin, MD 21811 Property Records

Worcester County property record for 4 Harbormist Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,384 sqft · built 1976
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Nov 2020)
Tax Bill	$2,453 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-038599`

Property Details

APN / Parcel Number

Primary APN	`03-038599`
Alternative APN	`038599`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,384 sqft Total Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,700 sqft (0.177 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	204 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	038599
Street Address	4 HARBORMIST CIR
City	BERLIN
State	MD
Zip	21811-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT B-01-281 7700 SQ FT HARBORMIST CIRCLE PL OCEAN PINES SEC 1
Legal Subdivision	OCEAN PINES SEC 01
Legal Lot Number	281
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	3
Census Block	3006
Census Tract	950600

Owner

Source: Worcester County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4 HARBORMIST CIR, BERLIN, MD 21811-1804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP
Nov 30, 2020	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	Oct 6, 2008 · Amount on Record
Deed Book / Page	7849 / 30
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	4 HARBORMIST CIR, BERLIN, MD 21811-1804
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	UNIVERSAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080880059
Date	Jun 15, 2021
Book Page	8088/59

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Oct 1, 2049

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Nov 30, 2020
Property Address	4 HARBORMIST CIR, BERLIN, MD 21811-1804
Document Number	0078490030
Book / Page	7849 / 30
Map Reference	MB FWH8 FO 20
Instrument Date	Nov 16, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	REAL ESTATE TITLE & ESCROW

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 in Severalty
Address	4 HARBORMIST CIR, BERLIN, MD 21811-1804

Mortgage

Document Number	0000784936
Date	Nov 30, 2020
Instrument	7849/36

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

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		$280,133 (+21.85%)	$294,500 (+17.14%) Land $80,700 Building $213,800
2025	$2,453.00 (+11.5%)
2023	$2,200.00	$229,900	$251,400 Land $80,700 Building $170,700

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 193 individual policies
Nearby Flood Policies	213 units insured incl. 20 condo units
Nearby Flood Claims	36 (1984–2019)
Claims Outside the SFHA	14 of 36
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 6 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 89% 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 494 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

Cell Coverage

5G (outdoors only) and 4G LTE

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