5 Abbey Cir, Berlin, MD 21811 Property Records

Worcester County property record for 5 Abbey Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,064 sqft · built 1999
Lot Size	0.195 acres (8,479 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Sep 2021)
Tax Bill	$2,650 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`03-110850`

Property Details

APN / Parcel Number

Primary APN	`03-110850`
Alternative APNs	`3110850` `110850`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Total Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,479 sqft (0.195 acres)
Porch	Enclosed Porch
Porch Area	120 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	110850
Street Address	5 ABBEY CIR
City	BERLIN
State	MD
Zip	21811-2000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-10-1280 8479 SQ FT ABBEY CIRCLE PL OCEAN PINES SEC 10
Legal Subdivision	OCEAN PINES SEC 10
Legal Lot Number	1280
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	1
Census Block	1003
Census Tract	951101

Owner

5 Abbey Cir is owned by two individuals who bought it in September 2021.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	61 PEACH RD, MILTON, NY 12547-5012
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2021 · Amount on File
Deed Sale	Sep 28, 2021 · Amount on File
Prior Sale	Dec 14, 2011 · Amount on File
Deed Book / Page	8180 / 101
Prior Transfer Date	Oct 10, 2008
Prior Transfer Doc	0051640049
Record Updated	Oct 29, 2026

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 28, 2021
Property Address	5 ABBEY CIR, OCEAN PINES, MD 21811-2000
Document Number	0081800101
Book / Page	8180 / 101
Map Reference	MB FWH 14 FO 45
Instrument Date	Apr 24, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount on Record
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	5 ABBEY CIR, BERLIN, MD 21811-2000

Mortgage

Document Number	0008180108
Date	Sep 28, 2021
Instrument	8180/108

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 5 Abbey Cir was $2,650, up 8.4% 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	$2,650.00 (+8.38%)	$287,167 (+8.39%)	$309,400 (-) Land $92,600 Building $216,800
2025	$2,445.00	$264,933	$309,400 Land $92,600 Building $216,800
2023	$2,106.00	$220,067	$242,700 Land $88,600 Building $154,100

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

Flood

FEMA maps place 5 Abbey Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 85 policies
Nearby Flood Policies	85 in force

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 5 Abbey Cir 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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Abbey Cir

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