6245 S Point Rd, Berlin, MD 21811 Property Records

Worcester County property record for 6245 S Point Rd, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,478 sqft · built 2004
Lot Size	4.22 acres (183,823 sqft)
Owner	Individual Name on Record
Last Sale	$820,000 (Jun 2019)
Tax Bill	$7,381 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-273528`

Property Details

APN / Parcel Number

Primary APN	`10-273528`
Alternative APN	`273528`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,478 sqft Total Area
Utility Area	196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	183,823 sqft (4.22 acres)
View / Lot	Waterfront
Garage Type	Built-in
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	246 sqft
Shed	1 Shed
Shed Area	200 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard

Location & Zoning

Account Number	273528
Street Address	6245 S POINT RD
City	BERLIN
State	MD
Zip	21811-2631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PAR A 1 4.22 ACS STEP DEC MEM HWY MIN SUB PL PAR A GENEZER EST W
Legal Subdivision	ACS STEP DEC MEM HWY MIN SUB
Legal Lot Number	A1
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3005
Census Tract	951700

Owner

Source: Worcester County records, as of August 18, 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	6245 S POINT RD, BERLIN, MD 21811-2631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
May 17, 2021	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Jun 19, 2019	Grant Deed, Transfer EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2019 · Amount on Record
Deed Sale	Jun 19, 2019 · Amount on Record
Prior Sale	Mar 13, 1990 · Amount on Record
Deed Book / Page	7440 / 352
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	6245 S POINT RD, BERLIN, MD 21811-2631
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	BRENNAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080700151
Date	May 28, 2021
Book Page	8070/151

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	6245 S POINT RD, BERLIN, MD 21811-2631
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	BRENNAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079780283
Date	Mar 22, 2021
Book Page	7978/283

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	6245 S POINT RD, BERLIN, MD 21811-2631
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080520359
Date	May 17, 2021
Book Page	8052/359

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Jun 19, 2019
Property Address	6245 S POINT RD, BERLIN, MD 21811-2631
Document Number	0074400352
Book / Page	007440 / 000352
Instrument Date	Jun 14, 2019
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	MARYLAND TITLE SERVICES CORPORATION, MARYLAND TITLE SVC CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6245 S POINT RD BERLIN MD 218112631, BERLIN, MD 21811-2631

Mortgage

Document Number	74400358
Date	Jun 19, 2019
Book Page	007440/000358

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2049

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

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		$797,733 (+7.5%)	$806,600 (+1.68%) Land $416,100 Building $390,500
2025	$7,381.00 (+3.94%)
2023	$7,101.00	$742,100	$793,300 Land $416,100 Building $377,200

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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