400 Williams St, Unit 8, Berlin, MD 21811 Property Records

Worcester County property record for 400 Williams St, Unit 8, Berlin, MD 21811

Property Summary

Property Type	Condominium
Details	3 ba · 2,580 sqft · built 2005
Lot Size	0.02 acres (885 sqft)
Owner	2 Individual Names on File
Last Sale	$317,000 (May 2021)
Tax Bill	$4,836 (2026)
Deeds & Mortgages	Jan 2026 Second Mortgage Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-164977`

Property Details

APN / Parcel Number

Primary APN	`03-164977`
Alternative APN	`164977`

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	885 sqft (0.02 acres)

Location & Zoning

Account Number	164977
Street Address	400 WILLIAMS ST, 8
City	BERLIN
State	MD
Zip	21811-1273
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3
Legal Description	U-8 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 8 is owned and occupied by two individuals who bought it in May 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	2 Individual Names on File
Mailing Address	400 WILLIAMS ST, 8, BERLIN, MD 21811-1273
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LINKBANK
Mar 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE LLC
May 28, 2021	Deed, Transfer · Conventional Mortgage FIRST SHORE FEDERAL SAVINGS & LOAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	Jun 10, 2005 · Amount on File
Deed Book / Page	8071 / 68
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	400 WILLIAMS ST UNIT 8, 8, BERLIN, MD 21811-1273
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WILLIAMS ST, BERLIN, MD 21811-1271

Mortgage

Document Number	0090700458
Date	Jan 6, 2026
Book Page	9070/458

Lender

Name	LINKBANK
Type	Bank
Address	SALISBURY, MD 21804

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	400 WILLIAMS ST UNIT 8, 8, BERLIN, MD 21811-1273
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069540498
Date	Mar 10, 2017
Book Page	6954/498
Instrument	6954-498

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2037

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	400 WILLIAMS ST UNIT 8, 8, BERLIN, MD 21811-1273
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083260308
Date	Mar 7, 2022
Book Page	8326/308

Lender

Name	FILO MORTGAGE LLC
Address	FORT WASHINGTON, PA 19034

Agreement

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

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 28, 2021
Property Address	400 WILLIAMS ST UNIT 8, 8, BERLIN, MD 21811-1273
Document Number	0080710068
Book / Page	8071 / 68
Map Reference	LB 4369 FO 521
Instrument Date	May 7, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

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 by the Entirety
Address	400 WILLIAMS ST UNIT 8, 8, BERLIN, MD 21811-1273

Mortgage

Document Number	0000807176
Date	May 28, 2021
Instrument	8071/76

Lender

Name	FIRST SHORE FEDERAL SAVINGS & LOAN
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

Tax Assessment & Valuation

The 2026 property tax bill for 400 Williams St, Unit 8 was $4,836 with a homeowner's exemption, up 3.1% 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	$4,836.00 (+3.13%) Homeowner's exemption	$367,200	$412,800 Land $206,400 Building $206,400
2025	$4,689.00 Homeowner's exemption
2023	$4,399.00	$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 8 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 8 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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