400 Williams St, Unit 18, Berlin, MD 21811 Property Records

Worcester County property record for 400 Williams St, Unit 18, Berlin, MD 21811

Property Summary

Property Type	Condominium
Details	3 ba · 2,580 sqft · built 2005
Lot Size	0.025 acres (1,089 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Apr 2018)
Tax Bill	$6,412 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-166023`

Property Details

APN / Parcel Number

Primary APN	`03-166023`
Alternative APN	`166023`

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	1,089 sqft (0.025 acres)

Location & Zoning

Account Number	166023
Street Address	400 WILLIAMS ST, 18
City	BERLIN
State	MD
Zip	21811-1275
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	U-18 PH 4 WILLIAMS ST TOWNES OF BERLIN CM
Legal Subdivision	TOWNES BERLIN CONDO
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 18 is owned and occupied by two individuals who bought it in April 2018.

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	2 Individual Names on File
Mailing Address	400 WILLIAMS ST, 18, BERLIN, MD 21811-1275
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 6, 2018	Grant Deed, Transfer · Conventional Mortgage NATIONS LNDG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2018 · Amount on File
Deed Sale	Apr 6, 2018 · Amount on File
Prior Sale	Sep 20, 2005 · Amount on File
Deed Book / Page	7188 / 439
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	400 WILLIAMS ST UNIT 18, 18, BERLIN, MD 21811-1275
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	CREEKSIDE TITLE LC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077930046
Date	Oct 6, 2020
Book Page	7793/46

Lender

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

Agreement

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

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	400 WILLIAMS ST UNIT 18, 18, BERLIN, MD 21811-1275
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0074380471
Date	Jun 17, 2019
Book Page	7438/471

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

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

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 6, 2018
Property Address	400 WILLIAMS ST UNIT 18, 18, BERLIN, MD 21811-1275
Document Number	0071880439
Book / Page	007188 / 000439
Instrument Date	Mar 30, 2018
Transaction Type	Transfer
Record Updated	Apr 13, 2018
Title Company	OCEAN INVS TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 GOLDEN EAGLE DR OCEAN VIEW DE 199703262, OCEAN VIEW, DE 19970-3262

Mortgage

Document Number	71880446
Date	Apr 6, 2018
Book Page	007188/000446

Lender

Name	NATIONS LNDG SVCS
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 5, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 400 Williams St, Unit 18 was $6,412, up 14.2% 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	$6,412.00 (+14.17%)	$367,200	$412,800 Land $206,400 Building $206,400
2025	$5,616.00
2023	$4,572.00	$256,233	$276,000 Land $138,000 Building $138,000

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 18 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 18 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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