407 West St, Berlin, MD 21811 Property Records

Worcester County property record for 407 West St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,652 sqft · built 1992
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,127 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-124193`

Property Details

APN / Parcel Number

Primary APN	`03-124193`
Alternative APN	`124193`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,652 sqft Total Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.275 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	292 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	124193
Street Address	407 WEST ST
City	BERLIN
State	MD
Zip	21811-9500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 8 12000 SQ FT WEST STREET BUCKINGHAM ESTATES PH I
Legal Subdivision	WEST STREET BUCKINGHAM ESTATES
Legal Phase	1
Legal Lot Number	8
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1050
Census Tract	951000

Owner

407 West St is owned and occupied by two individuals who acquired it in January 2002.

Source: Worcester County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	407 WEST ST, BERLIN, MD 21811-9500
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2019	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE CORP
Nov 12, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2002
Deed Sale	Jan 7, 2002
Deed Document Number	2002333720
Deed Book / Page	3217 / 155
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	407 WEST ST, BERLIN, MD 21811-9500
Transaction Type	Mortgage
Record Updated	Nov 1, 2022
Title Company	REAL ESTATE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0074540086
Date	Jul 12, 2019
Book Page	7454/086

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	407 WEST ST, BERLIN, MD 21811-9500
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078280019
Date	Nov 12, 2020
Book Page	7828/19

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	407 WEST ST, BERLIN, MD 21811-9500
Transaction Type	Mortgage
Record Updated	Nov 1, 2022
Title Company	PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080610228
Date	May 21, 2021
Book Page	8061/228

Lender

Name	FIRST HOME BANK
Type	Bank
Address	SEMINOLE, FL 33772

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 407 West St was $5,127 with a homeowner's exemption, up 3.4% 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	$5,127.00 (+3.37%) Homeowner's exemption	$404,100 (+13.07%)	$450,800 (-) Land $106,000 Building $344,800
2025	$4,960.00 Homeowner's exemption	$357,400	$450,800 Land $106,000 Building $344,800
2023	$4,643.00 Homeowner's exemption	$294,700	$310,700 Land $106,000 Building $204,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 407 West St 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 407 West St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 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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