400 Williams St, Unit 5, Berlin, MD 21811 Property Records

Worcester County property record for 400 Williams St, Unit 5, 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	$269,000 (Jan 2021)
Tax Bill	$6,487 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-164942`

Property Details

APN / Parcel Number

Primary APN	`03-164942`
Alternative APN	`164942`

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	164942
Street Address	400 WILLIAMS ST, 5
City	BERLIN
State	MD
Zip	21811-1273
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3
Legal Description	U-5 PH 2 WILLIAMS ST TOWNES OF BERLIN CM
Legal Subdivision	TOWNES BERLIN
Legal Phase	2
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1022
Census Tract	951000

Owner

400 Williams St, Unit 5 is owned and occupied by an individual who bought it in January 2021.

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, 5, BERLIN, MD 21811-1273
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jan 27, 2021	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2021 · Amount on File
Deed Sale	Jan 27, 2021 · Amount on File
Prior Sale	Feb 11, 2008 · Amount on File
Deed Book / Page	7915 / 19
Prior Transfer Date	Feb 28, 2006
Prior Transfer Doc	0046540530
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	400 WILLIAMS ST UNIT 5, 5, BERLIN, MD 21811-1273
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0086480162
Date	Oct 4, 2023
Book Page	8648/162

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jan 27, 2021
Property Address	400 WILLIAMS ST UNIT 5, 5, BERLIN, MD 21811-1273
Document Number	0079150019
Book / Page	7915 / 19
Map Reference	LB 4369 FO 521
Instrument Date	Jan 22, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

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
Address	103 QUILLEN DR, BERLIN, MD 21811-1432

Mortgage

Document Number	0000791523
Date	Jan 27, 2021
Instrument	7915/23

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 400 Williams St, Unit 5 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 5 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 5 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.

Nearby Properties on Williams St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures