5724 Waterside Dr, Berlin, MD 21811 Property Records

Worcester County property record for 5724 Waterside Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,148 sqft · built 1999
Lot Size	3.11 acres (135,472 sqft)
Owner	2 Individual Names on Record
Last Sale	$871,000 (Sep 2023)
Tax Bill	$6,012 (2026)
Deeds & Mortgages	Sep 2023 Sale & Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-324548`

Property Details

APN / Parcel Number

Primary APN	`10-324548`
Alternative APN	`324548`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,148 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	135,472 sqft (3.11 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	1,104 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	640 sqft
Porch	Slab
Porch Area	186 sqft
Deck Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	324548
Street Address	5724 WATERSIDE DR
City	BERLIN
State	MD
Zip	21811-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 26 3.119 ACS WATERSIDE DRIVE SOUTH POINT FARMS PLAT
Legal Subdivision	SOUTH POINT FARMS
Legal Lot Number	26
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3006
Census Tract	951700

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	5724 WATERSIDE DR, BERLIN, MD 21811-2704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Deed, Transfer · Line of Credit TOWER FCU
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 23, 2019	Deed, Transfer · Conventional Mortgage COLONIAL NATIONAL MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2023 · Amount on Record
Deed Sale	Sep 25, 2023 · Amount on Record
Prior Sale	Apr 23, 2019 · Amount on Record
Deed Book / Page	8642 / 429
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 25, 2023
Property Address	5724 WATERSIDE DR, BERLIN, MD 21811-2704
Document Number	0086420429
Book / Page	8642 / 429
Map Reference	MB RHO 132 FO 12
Instrument Date	Sep 15, 2023
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,355.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5724 WATERSIDE DR, BERLIN, MD 21811-2704

Mortgage

Document Number	0086420459
Date	Sep 25, 2023
Instrument	8642-0459

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0086420435
Date	Sep 25, 2023
Book Page	8642/435

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	5724 WATERSIDE DR, BERLIN, MD 21811-2704
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080530179
Date	May 17, 2021
Book Page	8053/179

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2051

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 23, 2019
Property Address	5724 WATERSIDE DR, BERLIN, MD 21811-2704
Document Number	0074040374
Book / Page	7404 / 374
Map Reference	MB RHO 132 FO 12
Instrument Date	Apr 19, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5724 WATERSIDE DR, BERLIN, MD 21811-2704

Mortgage

Document Number	0007404379
Date	Apr 23, 2019
Instrument	7404/379

Lender

Name	COLONIAL NATIONAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

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	$6,012.00 (+1.26%) Homeowner's exemption	$749,867 (+43.56%)	$841,600 (+19.55%) Land $390,500 Building $451,100
2025	$5,937.00 (+44.45%) Homeowner's exemption
2023	$4,110.00 Homeowner's exemption	$522,333	$704,000 Land $368,500 Building $335,500

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
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 130 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	130 in force
Nearby Flood Claims	38 (1989–2012)
Claims Outside the SFHA	4 of 38
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 29 claims

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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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