Worcester County property record for 45 Drawbridge Rd, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,450 sqft · built 1976 |
| Lot Size | 0.241 acres (10,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,225 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-073165 |
| Primary APN | 03-073165 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,450 sqft Total Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,500 sqft (0.241 acres) |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 073165 |
|---|---|
| Street Address | 45 DRAWBRIDGE RD |
| City | BERLIN |
| State | MD |
| Zip | 21811-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT G-05-021 10500 SQ FT DRAWBRIDGE PL OCEAN PINES SEC 5 |
| Legal Subdivision | OCEAN PINES SEC 05 |
| Legal Lot Number | 21 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 5, OCEAN PINES |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 950600 |
Source: Worcester County records · APN 03-073165
Assessment roll updated July 31, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 45 DRAWBRIDGE RD, BERLIN, MD 21811-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP |
| Nov 09, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2002 |
| Deed Sale | Sep 24, 2002 |
| Prior Sale | Sep 30, 1998 · Amount on Record |
| Deed Document Number | 2002339263 |
| Deed Book / Page | 3436 / 510 |
| Transfer Doc | 0034360510 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 45 DRAWBRIDGE RD, OCEAN PINES, MD 21811-1823 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | ASSURE TITLE, ASSURANCE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0079780417 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 7978/417 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 45 DRAWBRIDGE RD, OCEAN PINES, MD 21811-1823 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0082190354 |
|---|---|
| Date | Nov 09, 2021 |
| Book Page | 8219/354 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Nov 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $393,733 (+12.67%) | $438,000 (-) Land $93,800 Building $344,200 | |
| 2025 | $3,225.00 (+13.52%) | $349,467 (+17.69%) | $438,000 (+43.51%) Land $93,800 Building $344,200 |
| 2023 | $2,841.00 | $296,933 | $305,200 Land $93,800 Building $211,400 |
Source: FEMA National Flood Hazard Layer as of June 4, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 193 individual policies |
| Nearby Flood Policies | 213 units insured incl. 20 condo units |
| Nearby Flood Claims | 36 (1984–2019) |
| Claims Outside the SFHA | 14 of 36 |
| Most Recent Claim | Jul 2019 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 494 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCEAN PINES serves 11,890 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2021–2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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