43 White Horse Dr, Berlin, MD 21811 Property Records

Worcester County property record for 43 White Horse Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,008 sqft · built 1982
Lot Size	0.245 acres (10,686 sqft)
Owner	2 Trust Names on File
Last Sale	$6,500 (Nov 1981)
Tax Bill	$2,362 (2026)
Deeds & Mortgages	Mar 2022 Transfer Oct 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-092879`

Property Details

APN / Parcel Number

Primary APN	`03-092879`
Alternative APN	`092879`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,008 sqft Total Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,686 sqft (0.245 acres)
Deck Area	480 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	092879
Street Address	43 WHITE HORSE DR
City	BERLIN
State	MD
Zip	21811-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B O2 431 10686 SQ FT WHITE HORSE DR PL OCEAN PINES SEC 2
Legal Subdivision	OCEAN PINES SEC 02
Legal Lot Number	431,B
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	2
Census Block	2023
Census Tract	950700

Owner

43 White Horse Dr is held in a trust since February 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	733 BAYFRONT TER, SEBASTIAN, FL 32958-5903
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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
Mar 11, 2022	Intrafamily Transfer, Transfer
Oct 1, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 1981 · Amount on File
Deed Sale	Nov 28, 1981 · Amount on File
Deed Book / Page	789 / 539
Last Transfer Date	Feb 8, 2022
Transfer Doc	0083310406
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Mar 11, 2022
Property Address	43 WHITE HORSE DR, OCEAN PINES, MD 21811-1610
Document Number	0083310406
Book / Page	8331 / 406
Map Reference	MB 11 PG 24
Instrument Date	Feb 8, 2022
Transaction Type	Transfer
Record Updated	Mar 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	733 BAYFRONT TER, SEBASTIAN, FL 32958-5903

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Oct 1, 2021
Property Address	43 WHITE HORSE DR, OCEAN PINES, MD 21811-1610
Document Number	0081840273
Book / Page	8184 / 273
Instrument Date	Sep 27, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	733 BAYFRONT TER, SEBASTIAN, FL 32958-5903

Tax Assessment & Valuation

The 2026 property tax bill for 43 White Horse Dr was $2,362, up 6.9% from the year before.

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,362.00 (+6.93%)	$255,967 (+6.95%)	$272,600 (-) Land $93,800 Building $178,800
2025	$2,209.00	$239,333	$272,600 Land $93,800 Building $178,800
2023	$1,938.00	$202,567	$222,700 Land $82,500 Building $140,200

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

Flood

FEMA maps place 43 White Horse Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1985.

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 60 policies
Nearby Flood Policies	60 in force
Nearby Flood Claims	26 (1985–2015)
Claims Outside the SFHA	15 of 26
Most Recent Claim	Oct 2015 · tidal / storm surge
Claims by Event	Severe Snowfall & Winter Storm, Mar 1993 · 2 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 43 White Horse Dr is low, with less than 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% 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	OCEAN PINES serves 11,890 people · EPA ID MD0230005
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2021–2023) 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 602 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on White Horse Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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