6 Whaler Ln, Ocean Pines (Berlin), MD 21811 Property Records

Worcester County property record for 6 Whaler Ln, Ocean Pines, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,673 sqft · built 1992
Lot Size	0.231 acres (10,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Dec 2020)
Tax Bill	$2,364 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-092259`

Property Details

APN / Parcel Number

Primary APN	`03-092259`
Alternative APN	`092259`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,673 sqft Total Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,050 sqft (0.231 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	092259
Street Address	6 WHALER LN
City	BERLIN
State	MD
Zip	21811-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-02-354 10050 SQ FT WHALER LANE PL OCEAN PINES SEC 2
Legal Subdivision	OCEAN PINES SEC 02
Legal Lot Number	354
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	2
Census Block	2022
Census Tract	950700

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	6 WHALER LN, BERLIN, MD 21811-1609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Nov 4, 2020	Deed of Trust, Mortgage · Line of Credit HOWARD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Prior Sale	Jun 18, 1996 · Amount on Record
Deed Book / Page	7882 / 465
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 23, 2020
Property Address	6 WHALER LN, OCEAN PINES, MD 21811-1609
Document Number	0078820465
Book / Page	7882 / 465
Map Reference	MB FWH11 FO 24
Instrument Date	Dec 18, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BRENNAN TITLE CO

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6 WHALER LN, OCEAN PINES, MD 21811-1609

Mortgage

Document Number	0007882471
Date	Dec 23, 2020
Instrument	7882/471

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	6 WHALER LN, OCEAN PINES, MD 21811-1609
Document Number	0078270361
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 WHALER LN BERLIN MD 218111609, BERLIN, MD 21811-1609

Mortgage

Document Number	0078270361
Date	Nov 12, 2020
Book Page	007827/000361

Lender

Name	HOWARD BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,364.00 (+1.5%) Homeowner's exemption	$365,400 (+33.44%)	$396,800 (+31.13%) Land $93,700 Building $303,100
2025	$2,329.00 (+4.35%) Homeowner's exemption
2023	$2,232.00 Homeowner's exemption	$273,833	$302,600 Land $82,400 Building $220,200

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 60 policies
Nearby Flood Policies	60 in force
Nearby Flood Claims	26 (1985–2015)
Claims Outside the SFHA	15 of 26
Most Recent Claim	Oct 2015 · tidal / storm surge
Claims by Event	Severe Snowfall & Winter Storm, Mar 1993 · 2 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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 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.

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 494 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Whaler Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures