6440 Heritage Rd, Berlin, MD 21811 Property Records

Worcester County property record for 6440 Heritage Rd, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,997 sqft · built 2019
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Feb 2018)
Tax Bill	$9,924 (2026)
Deeds & Mortgages	Aug 2019 Loan Modification Jun 2019 Loan Modification + 2 more
Flood Zone	Zone X (moderate risk)
APN	`10-306264`

Property Details

APN / Parcel Number

Primary APN	`10-306264`
Alternative APN	`306264`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,997 sqft Total Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed
Garage Area	3,188 sqft
Parking Spaces	10 Parking Spaces
Porch	Slab
Porch Area	688 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	306264
Street Address	6440 HERITAGE RD
City	BERLIN
State	MD
Zip	21811-9639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LOT 17 2.003 ACS HERITAGE LANE PL NEWPORT SOUTH SUBDIV
Legal Subdivision	NEWPORT SOUTH SUB
Legal Lot Number	17
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3011
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	6440 HERITAGE RD, BERLIN, MD 21811-9639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2019	Loan Modification, Mortgage HOWARD BK
Jun 1, 2019	Loan Modification, Mortgage HOWARD BK
May 29, 2018	Trustee's Deed, Construction Loan · Construction Mortgage HOWARD BK
Feb 6, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2018 · Amount on Record
Deed Sale	Feb 6, 2018 · Amount on Record
Prior Sale	Sep 11, 2000 · Amount on Record
Deed Document Number	20187159-405
Deed Book / Page	7159 / 405
Record Updated	Oct 29, 2026

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WORCESTER MD
Property Address	6440 HERITAGE RD, BERLIN, MD 21811-9639
Document Number	0074960242
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6440 HERITAGE RD BERLIN MD 21811, BERLIN, MD 21811

Mortgage

Document Number	0074960242
Date	Sep 23, 2019
Book Page	007496/000242

Lender

Name	HOWARD BK
Type	Bank
Address	PARKVILLE, MD 21234

Agreement

Amount	Amount Recorded

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WORCESTER MD
Property Address	6440 HERITAGE RD, BERLIN, MD 21811-9639
Document Number	0074420495
Instrument Date	Jun 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6440 HERITAGE RD BERLIN MD 21811, BERLIN, MD 21811

Mortgage

Document Number	0074420495
Date	Jun 24, 2019
Book Page	007442/000495

Lender

Name	HOWARD BK
Type	Bank
Address	PARKVILLE, MD 21234

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 23, 2020

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WORCESTER MD
Recording Date	May 29, 2018
Property Address	6440 HERITAGE RD, BERLIN, MD 21811-9639
Document Number	0072200426
Book / Page	007220 / 000426
Instrument Date	May 25, 2018
Transaction Type	Construction Loan
Record Updated	Jun 8, 2018
Title Company	REAL ESTATE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	HERITAGE RD #17 BERLIN MD 21811, 17, BERLIN, MD 21811

Mortgage

Document Number	72200426
Date	May 29, 2018
Book Page	007220/000426

Lender

Name	HOWARD BK
Type	Bank
Address	ELLICOTT CITY, MD 21043

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 28, 2019

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Feb 6, 2018
Property Address	6440 HERITAGE RD, BERLIN, MD 21811-9639
Document Number	0071590405
Book / Page	007159 / 000405
Instrument Date	Jan 31, 2018
Transaction Type	Transfer
Record Updated	Feb 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$142.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	753 CLOVERFIELDS DR STEVENSVILLE MD 21666, STEVENSVILLE, MD 21666

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	$9,924.00 (+0.1%) Homeowner's exemption	$1,179,800 (+14.23%)	$1,198,800 (+2.44%) Land $128,500 Building $1,070,300
2025	$9,914.00 (+3.84%) Homeowner's exemption
2023	$9,547.00 Homeowner's exemption	$1,032,833	$1,170,300 Land $128,500 Building $1,041,800

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 63% of the US · above 75% of Maryland
Wildfire Likelihood	0.04% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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