445 Dueling Way, Berlin, MD 21811 Property Records

Worcester County property record for 445 Dueling Way, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,320 sqft · built 2006
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Aug 2021)
Tax Bill	$7,058 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Apr 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-165507`

Property Details

APN / Parcel Number

Primary APN	`03-165507`
Alternative APN	`165507`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,320 sqft Total Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,400 sqft (0.239 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	165507
Street Address	445 DUELING WAY
City	BERLIN
State	MD
Zip	21811-2597
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 49C PH 2 DUELING WAY DECATUR FARMS PL
Legal Subdivision	DECATUR FARMS
Legal Phase	2
Legal Lot Number	49C
Jurisdiction	WORCESTER MD
Township / Civil Division	2, CENTRAL
Census Block Group	3
Census Block	3007
Census Tract	951000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	445 DUELING WAY, BERLIN, MD 21811-2597
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Apr 11, 2020	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Mar 13, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2021 · Amount on Record
Deed Sale	Aug 20, 2021 · Amount on Record
Prior Sale	Mar 24, 2006 · Amount on Record
Deed Book / Page	8147 / 89
Prior Transfer Date	Oct 14, 2008
Prior Transfer Doc	0051670173
Record Updated	Oct 29, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Aug 20, 2021
Property Address	445 DUELING WAY, BERLIN, MD 21811-2597
Document Number	0081470089
Book / Page	8147 / 89
Map Reference	MB SVH 198 FO 55-61
Instrument Date	Aug 3, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TITLE-RITE SERVICES INC, TITLE RITE SERVICES INC

Transaction

Amount	Amount Recorded
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	445 DUELING WAY, BERLIN, MD 21811-2597

Mortgage

Document Number	0000814795
Date	Aug 20, 2021
Instrument	8147/95

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WORCESTER MD
Property Address	445 DUELING WAY, BERLIN, MD 21811-2597
Document Number	0076560453
Instrument Date	Apr 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 DUELING WAY BERLIN MD 218112597, BERLIN, MD 21811-2597

Mortgage

Document Number	0076560453
Date	May 12, 2020
Book Page	007656/000453

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

Interest

Rate	3.5%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	445 DUELING WAY, BERLIN, MD 21811-2597
Document Number	0069670045
Book / Page	006967 / 000045
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 DUELING WAY BERLIN MD 218112597, BERLIN, MD 21811-2597

Mortgage

Document Number	0069670045
Date	Mar 31, 2017
Book Page	006967/000045

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 30, 2042

Tax Assessment & Valuation

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	$7,058.00 (+2.08%)	$404,167 (+2.08%)	$412,400 (-) Land $70,400 Building $342,000
2025	$6,914.00 (+9.92%)	$395,933 (+12.32%)	$412,400 (+6.37%) Land $70,400 Building $342,000
2023	$6,290.00	$352,500	$387,700 Land $70,400 Building $317,300

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

Flood

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	4 (1989–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 1998 · rainfall accumulation

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

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	Indirect within 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 182 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

May also be available: Verizon.

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