400 Williams St, Unit 11, Berlin, MD 21811 Property Records

Worcester County property record for 400 Williams St, Unit 11, Berlin, MD 21811

Property Summary

Property Type	Condominium
Details	3 ba · 2,580 sqft · built 2005
Lot Size	0.024 acres (1,082 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (May 2019)
Tax Bill	$6,487 (2026)
Deeds & Mortgages	May 2026 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-165949`

Property Details

APN / Parcel Number

Primary APN	`03-165949`
Alternative APN	`165949`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Building Area	2,580 sqft Total Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Siding
Lot Area	1,082 sqft (0.024 acres)

Location & Zoning

Account Number	165949
Street Address	400 WILLIAMS ST, 11
City	BERLIN
State	MD
Zip	21811-1274
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	U 11 PH 3 WILLIAMS ST TOWNES OF BERLIN CM
Legal Subdivision	TOWNES BERLIN
Legal Phase	3
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1022
Census Tract	951000

Owner

400 Williams St, Unit 11 is owned and occupied by an individual who bought it in May 2019.

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	Individual Name on File
Mailing Address	400 WILLIAMS ST, 11, BERLIN, MD 21811-1274
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 6, 2019	Deed, Transfer · Conventional Mortgage GMH MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2019 · Amount on File
Deed Sale	May 6, 2019 · Amount on File
Prior Sale	Sep 12, 2005 · Amount on File
Deed Book / Page	7412 / 268
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	May 7, 2026
Property Address	400 WILLIAMS ST, 11, BERLIN, MD 21811-1274
Document Number	9143000320
Book / Page	9143 / 320
Instrument Date	Apr 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WILLIAMS ST, 11, BERLIN, MD 21811-1274

Mortgage

Document Number	9143000320,
Date	May 7, 2026
Book Page	9143/320

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	400 WILLIAMS ST UNIT 11, 11, BERLIN, MD 21811-1274
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	OLD REPUBLIC TITLE TX INC, OLD REPUBLIC TTL POST CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WILLIAMS ST 11, 11, BERLIN, MD 21811-1274

Mortgage

Document Number	0090170065
Date	Oct 1, 2025
Book Page	9017/65

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 6, 2019
Property Address	400 WILLIAMS ST UNIT 11, 11, BERLIN, MD 21811-1274
Document Number	0074120268
Book / Page	7412 / 268
Map Reference	MB 196 FO 50
Instrument Date	May 3, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MARYLAND TITLE SERVICES

Transaction

Amount	Amount on Record
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
Address	1260 COBBLE POND WAY, 1260, VIENNA, VA 22182-6603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WILLIAMS ST UNIT 11, 11, BERLIN, MD 21811-1274

Mortgage

Document Number	0007412273
Date	May 6, 2019
Instrument	7412/273

Lender

Name	GMH MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 400 Williams St, Unit 11 was $6,487, up 14.3% from the year before.

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,487.00 (+14.29%)	$371,467 (+14.29%)	$417,900 (-) Land $208,900 Building $209,000
2025	$5,676.00	$325,033	$417,900 Land $208,900 Building $209,000
2023	$4,633.00	$259,667	$278,600 Land $139,300 Building $139,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 400 Williams St, Unit 11 in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1992.

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 File median of 24 individual policies
Nearby Flood Policies	27 units insured incl. 3 condo units
Nearby Flood Claims	13 (1992–2020)
Claims Outside the SFHA	12 of 13
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 3 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

Wildfire risk around 400 Williams St, Unit 11 is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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	TOWN OF BERLIN serves 4,500 people · EPA ID MD0230001
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	5 ppb (2022–2024) 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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