40 Cresthaven Dr, Berlin, MD 21811 Property Records

Worcester County property record for 40 Cresthaven Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 960 sqft · built 1982
Lot Size	0.224 acres (9,750 sqft)
Owner	2 Individual Names on File
Last Sale	$383,446 (Aug 2022)
Tax Bill	$1,561 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-090655`

Property Details

APN / Parcel Number

Primary APN	`03-090655`
Alternative APNs	`3090655` `090655`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Total Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
Porch	Slab
Porch Area	128 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	090655
Street Address	40 CRESTHAVEN DR
City	BERLIN
State	MD
Zip	21811-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-09-657 9750 SQ FT CREST HAVEN DR PL OCEAN PINES SEC 9
Legal Subdivision	OCEAN PINES SEC 09
Legal Lot Number	657
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	1
Census Block	1007
Census Tract	951102

Owner

Source: Worcester County records · APN 03-090655

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	40 CRESTHAVEN DR, BERLIN, MD 21811-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 02, 2022 · Amount on Record
Deed Sale	Aug 02, 2022 · Amount on Record
Prior Sale	Sep 23, 2003
Deed Book / Page	8435 / 176
Transfer Doc	0000345008
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Aug 02, 2022
Property Address	40 CRESTHAVEN DR, OCEAN PINES, MD 21811-1903
Document Number	0084350176
Book / Page	8435 / 176
Map Reference	MB FWH13 FO 19
Instrument Date	Mar 22, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 CRESTHAVEN DR, BERLIN, MD 21811-1903

Mortgage

Document Number	0008435181
Date	Aug 02, 2022
Instrument	8435-181

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Apr 01, 2052

Tax Assessment & Valuation

Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$246,200 (+10.16%)	$268,900 (-) Land $93,500 Building $175,400
2025	$1,561.00 (+4.41%) Homeowner's exemption	$223,500 (+21.82%)	$268,900 (+33.91%) Land $93,500 Building $175,400
2023	$1,495.00 Homeowner's exemption	$183,467	$200,800 Land $79,500 Building $121,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 301 policies
Nearby Flood Policies	301 in force
Nearby Flood Claims	6 (2011–2026)
Most Recent Claim	Jul 2026 · other causes

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 419 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCEAN PINES serves 11,890 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.