Worcester County property record for 404 West St, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,752 sqft · built 2017 |
| Lot Size | 0.547 acres (23,823 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $87,759 (Oct 2009) |
| Tax Bill | $5,600 (2026) |
| Deeds & Mortgages | May 2019 Reverse Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-028097 |
| Primary APN | 03-028097 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,752 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,823 sqft (0.547 acres) |
| Lot Dimensions | 290 ft deep x 170 ft wide |
| Porch | Slab |
| Porch Area | 384 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 028097 |
|---|---|
| Street Address | 404 WEST ST |
| City | BERLIN |
| State | MD |
| Zip | 21811-8900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 1 23,823 SQ FT W SIDE WEST ST SUB ROBERT L & KAY A CLA |
| Legal Lot Number | 1 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 951000 |
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 Record |
|---|---|
| Mailing Address | 404 WEST ST, BERLIN, MD 21811-8900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 21, 2019 | Deed of Trust, Mortgage · Reverse Mortgage LIBERTY HOME EQUITY SOLUTIONS INC |
| May 1, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2009 · Amount on Record |
| Deed Sale | Oct 29, 2009 · Amount on Record |
| Deed Document Number | 2009372973 |
| Deed Book / Page | 5368 / 49 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 404 WEST ST, BERLIN, MD 21811-8900 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0074200258 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 7420/258 |
| Name | LIBERTY HOME EQUITY SOLUTIONS INC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | RANCHO CORDOVA, CA 95670 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 842 Months |
| Due | Jul 25, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.21% |
| Type Change Date | Jun 1, 2020 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 404 WEST ST, BERLIN, MD 21811-8900 |
| Document Number | 0074200276 |
| Instrument Date | May 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 404 WEST ST BERLIN MD 218118900, BERLIN, MD 21811-8900 |
| Document Number | 0074200276 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 007420/000276 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 840 Months |
| Due | May 20, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.21% |
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Municipality | Berlin Town |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,600.00 (+3.07%) Homeowner's exemption | $367,333 (+9.21%) | $398,300 (-) Land $107,100 Building $291,200 |
| 2025 | $5,433.00 (+4.58%) Homeowner's exemption | $336,367 (+11.97%) | $398,300 (+30.42%) Land $107,100 Building $291,200 |
| 2023 | $5,195.00 Homeowner's exemption | $300,400 | $305,400 Land $107,100 Building $198,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Choptank Fiber, T-Mobile.
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