400 Williams St, Unit 2, Berlin, MD 21811 Property Records

Worcester County property record for 400 Williams St, Unit 2, Berlin, MD 21811

Property Summary

Property Type	Condominium
Details	3 ba · 2,580 sqft · built 2005
Lot Size	0.023 acres (1,011 sqft)
Owner	Individual Name on File
Last Sale	$228,500 (May 2017)
Tax Bill	$6,412 (2026)
Deeds & Mortgages	Mar 2022 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-164918`

Property Details

APN / Parcel Number

Primary APN	`03-164918`
Alternative APN	`164918`

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	1,011 sqft (0.023 acres)

Location & Zoning

Account Number	164918
Street Address	400 WILLIAMS ST, 2
City	BERLIN
State	MD
Zip	21811-1272
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3
Legal Description	U-2 PH 1 WILLIAMS ST TOWNES OF BERLIN CM
Legal Subdivision	TOWNES BERLIN
Legal Phase	1
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1022
Census Tract	951000

Owner

400 Williams St, Unit 2 is owned and occupied by an individual who bought it in May 2017.

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, 2, BERLIN, MD 21811-1272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
May 30, 2017	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2017 · Amount on File
Deed Sale	May 30, 2017 · Amount on File
Prior Sale	Mar 24, 2005 · Amount on File
Deed Document Number	20177008-302
Deed Book / Page	7008 / 302
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	400 WILLIAMS ST UNIT 2, 2, BERLIN, MD 21811-1272
Transaction Type	Mortgage
Record Updated	Nov 1, 2022
Title Company	EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083260394
Date	Mar 7, 2022
Book Page	8326/394

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 30, 2017
Property Address	400 WILLIAMS ST UNIT 2, 2, BERLIN, MD 21811-1272
Document Number	0070080302
Book / Page	7008 / 302
Instrument Date	May 19, 2017
Instrument	7008-302
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,035.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WILLIAMS ST UNIT 2, 2, BERLIN, MD 21811-1272

Mortgage

Document Number	7008306
Date	May 30, 2017
Instrument	7008-306

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 400 Williams St, Unit 2 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 (+14.18%)	$412,800 (-) Land $206,400 Building $206,400
2025	$5,616.00	$321,600	$412,800 Land $206,400 Building $206,400
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 2 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 2 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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