400 Williams St, Unit 17, Berlin, MD 21811 Property Records

Worcester County property record for 400 Williams St, Unit 17, Berlin, MD 21811

Property Summary

Property Type	Condominium
Details	3 ba · 2,580 sqft · built 2005
Lot Size	0.03 acres (1,311 sqft)
Owner	Individual Name on File
Last Sale	$274,900 (Apr 2020)
Tax Bill	$6,487 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-166015`

Property Details

APN / Parcel Number

Primary APN	`03-166015`
Alternative APN	`166015`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Building Area	2,580 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Siding
Lot Area	1,311 sqft (0.03 acres)

Location & Zoning

Account Number	166015
Street Address	400 WILLIAMS ST, 17
City	BERLIN
State	MD
Zip	21811-1275
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	U-17 PH 4 WILLIAMS ST TOWNES OF BERLIN CM
Legal Subdivision	TOWNES BERLIN
Legal Phase	4
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1022
Census Tract	951000

Owner

400 Williams St, Unit 17 is owned and occupied by an individual who bought it in April 2020.

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, 17, BERLIN, MD 21811-1275
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Apr 7, 2020	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2020 · Amount on File
Deed Sale	Apr 7, 2020 · Amount on File
Prior Sale	Aug 31, 2005 · Amount on File
Deed Book / Page	7629 / 16
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	Apr 22, 2026
Property Address	400 WILLIAMS ST, 17, BERLIN, MD 21811-1275
Document Number	9132000040
Book / Page	9132 / 40
Instrument Date	Apr 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WILLIAMS ST, 17, BERLIN, MD 21811-1275

Mortgage

Document Number	9132000040,
Date	Apr 22, 2026
Book Page	9132/40

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 7, 2046

Interest

Rate	6.11%
Max Rate	-1%

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 7, 2020
Property Address	400 WILLIAMS ST UNIT 17, 17, BERLIN, MD 21811-1275
Document Number	0076290016
Book / Page	7629 / 16
Map Reference	MB SVH 201 FO 34-39
Instrument Date	Mar 11, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MID ATLANTIC SETMNT SVCS LLC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	400 WILLIAMS ST UNIT 17, 17, BERLIN, MD 21811-1275

Mortgage

Document Number	0000762921
Date	Apr 7, 2020
Instrument	7629/21

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 400 Williams St, Unit 17 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 17 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 17 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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