400 Williams St, Unit 3, Berlin, MD 21811 Property Records

Worcester County property record for 400 Williams St, Unit 3, Berlin, MD 21811

Property Summary

Property Type	Condominium
Details	3 ba · 2,580 sqft · built 2005
Lot Size	0.026 acres (1,133 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jul 2019)
Tax Bill	$5,784 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Dec 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-164926`

Property Details

APN / Parcel Number

Primary APN	`03-164926`
Alternative APN	`164926`

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	1,133 sqft (0.026 acres)

Location & Zoning

Account Number	164926
Street Address	400 WILLIAMS ST, 3
City	BERLIN
State	MD
Zip	21811-1272
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3
Legal Description	U-3 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 3 is owned and occupied by two individuals who acquired it in December 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	2 Individual Names on File
Mailing Address	400 WILLIAMS ST, 3, BERLIN, MD 21811-1272
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Construction Mortgage HEBRON SAVINGS BANK
Dec 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 30, 2019	Grant Deed, Transfer MID-ATLANTIC TITLE AND ESCROW COMPANY, MID-ATLANTIC TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2019 · Amount on File
Deed Sale	Jul 30, 2019 · Amount on File
Prior Sale	Feb 15, 2008 · Amount on File
Deed Book / Page	7463 / 172
Last Transfer Date	Dec 10, 2019
Transfer Doc	0075650186
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	Apr 28, 2026
Property Address	400 WILLIAMS ST, 3, BERLIN, MD 21811-1272
Document Number	9135000491
Book / Page	9135 / 491
Instrument Date	Apr 20, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WILLIAMS ST, 3, BERLIN, MD 21811-1272

Mortgage

Document Number	9135000491,
Date	Apr 28, 2026
Book Page	9135/491

Lender

Name	HEBRON SAVINGS BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	5.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 30, 2019
Property Address	400 WILLIAMS ST UNIT 3, 3, BERLIN, MD 21811-1272
Document Number	0075650186
Book / Page	007565 / 000186
Instrument Date	Dec 10, 2019
Transaction Type	Transfer
Record Updated	Jan 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	400 WILLIAMS ST #3 BERLIN MD 218111272, 3, BERLIN, MD 21811-1272

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 30, 2019
Property Address	400 WILLIAMS ST UNIT 3, 3, BERLIN, MD 21811-1272
Document Number	0074630172
Book / Page	007463 / 000172
Instrument Date	Jul 17, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	MID-ATLANTIC TITLE AND ESCROW COMPANY, MID-ATLANTIC TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10610 SIREN LN BERLIN MD 218112793, BERLIN, MD 21811-2793

Tax Assessment & Valuation

The 2026 property tax bill for 400 Williams St, Unit 3 was $5,784 with a homeowner's exemption, up 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	$5,784.00 (+2.99%) Homeowner's exemption	$367,200 (+14.18%)	$412,800 (-) Land $206,400 Building $206,400
2025	$5,616.00 Homeowner's exemption	$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 3 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 3 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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