Worcester County property record for 545 Bay St, Berlin, MD 21811
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 4,048 sqft · built 1981 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Company Name on Record |
| Last Sale | $631,500 (Feb 1984) |
| Tax Bill | $6,464 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-120295 |
| Primary APN | 03-120295 |
|---|---|
| Alternative APN |
|
| Units | 14 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,048 sqft Total Area |
| 1st Floor Area | 4,048 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 65,340 sqft (1.5 acres) |
| Canopy | 144 sqft |
| Total Buildings | 3 Buildings |
| Cooling System | Package A/C |
|---|---|
| Sewer | Connected |
| Account Number | 120295 |
|---|---|
| Street Address | 545 BAY ST |
| City | BERLIN |
| State | MD |
| Zip | 21811-1390 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Local Zoning Code | R-3 |
| Legal Description | 1.497 ACS PAR A N S BAY ST PL RHODA'S LEGACY SUBDIV |
| Legal Subdivision | LEGACY SUB |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 2, CENTRAL |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 951000 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 175 ADMIRAL COCHRANE DR, 40, ANNAPOLIS, MD 21401-7316 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 1984 · Amount on Record |
| Deed Sale | Feb 28, 1984 · Amount on Record |
| Deed Book / Page | 953 / 307 |
| Record Updated | Oct 29, 2026 |
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Municipality | Berlin Town |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,464.00 (+7.7%) | $370,133 (+24.28%) | $423,000 (+23.07%) Land $55,500 Building $367,500 |
| 2025 | $6,002.00 (+12.95%) | ||
| 2023 | $5,314.00 | $297,833 | $343,700 Land $52,500 Building $291,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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