417 S Main St, Berlin, MD 21811 Property Records

Worcester County property record for 417 S Main St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,017 sqft · built 1930
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$1,495,000 (Jul 2026)
Tax Bill	$6,492 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-033295`

Property Details

APN / Parcel Number

Primary APN	`03-033295`
Alternative APN	`033295`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,017 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Lot Dimensions	2 ft deep x 1 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	234 sqft
Deck Area	60 sqft
Patio Area	840 sqft
Shed	1 Shed
Shed Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	033295
Street Address	417 S MAIN ST
City	BERLIN
State	MD
Zip	21811-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	H-1
Legal Description	LOT 4 ACS 135 X 225 X 20 E SIDE 417 S MAIN ST BERLIN
Legal Lot Number	4
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1060
Census Tract	951000

Owner

417 S Main St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	417 S MAIN ST, BERLIN, MD 21811-1407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026 · Amount on File
Deed Sale	Jul 8, 2026 · Amount on File
Deed Book / Page	9181 / 230
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 8, 2026
Property Address	417 S MAIN ST, BERLIN, MD 21811-1407
Document Number	9181000230
Book / Page	9181 / 230
Instrument Date	Jul 2, 2026
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150,995.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	417 S MAIN ST, BERLIN, MD 21811-1407

Mortgage

Document Number	9181000235,
Date	Jul 8, 2026
Book Page	9181/235

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 417 S Main St was $6,492, up 5.4% 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	$6,492.00 (+5.37%)	$371,767 (+5.37%)	$390,700 (-) Land $126,000 Building $264,700
2025	$6,161.00	$352,833	$390,700 Land $126,000 Building $264,700
2023	$5,460.00	$306,000	$333,900 Land $126,000 Building $207,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 417 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 417 S Main St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.03% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35