520 Bay St, Berlin, MD 21811 Property Records

Worcester County property record for 520 Bay St, Berlin, MD 21811

Property Summary

Property Type	Townhouse
Details	1 ba · 960 sqft · built 1994
Lot Size	0.201 acres (8,740 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Dec 2023)
Tax Bill	$2,350 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Aug 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-163997`

Property Details

APN / Parcel Number

Primary APN	`03-163997`
Alternative APN	`163997`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,740 sqft (0.201 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	163997
Street Address	520 BAY ST
City	BERLIN
State	MD
Zip	21811-1361
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 1B-1 8740 SQ FT EAST UNIT BAY ST EXTD RESUB LOT 1B
Legal Subdivision	ROBERT L TAYLOR
Legal Lot Number	1B-1
Jurisdiction	WORCESTER MD
Township / Civil Division	2, CENTRAL
Census Block Group	3
Census Block	3004
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	Individual Name on Record
Mailing Address	520 BAY ST, BERLIN, MD 21811-1361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP
Aug 25, 2022	Deed, Transfer BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2023 · Amount on Record
Deed Sale	Dec 6, 2023 · Amount on Record
Prior Sale	Mar 6, 2023 · Amount on Record
Deed Book / Page	8679 / 107
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 5, 2023
Property Address	520 BAY ST, BERLIN, MD 21811-1361
Document Number	0086790107
Book / Page	8679 / 107
Map Reference	MB SVH251 FO 35
Instrument Date	Nov 30, 2023
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,249.50
Amount Accuracy	Estimated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	520 BAY ST, BERLIN, MD 21811-1361

Mortgage

Document Number	0086790114
Date	Dec 5, 2023
Instrument	8679-0114

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Aug 25, 2022
Property Address	520 BAY ST, BERLIN, MD 21811-1361
Document Number	0084480129
Book / Page	8448 / 129
Map Reference	MB 251O 35
Instrument Date	Aug 22, 2022
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC

Transaction

Amount	Amount Recorded
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

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	$2,350.00 (+5.43%)	$134,567 (+5.43%)	$141,500 (-) Land $38,800 Building $102,700
2025	$2,229.00 (+5.64%)	$127,633 (+7.92%)	$141,500 (+17.23%) Land $38,800 Building $102,700
2023	$2,110.00	$118,267	$120,700 Land $38,800 Building $81,900

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

Flood

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
Adjoins Burnable Land	Yes

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 135 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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