6502 S Point Rd, Berlin, MD 21811 Property Records

Worcester County property record for 6502 S Point Rd, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	6 ba · 8,674 sqft · built 2005
Lot Size	4.88 acres (212,573 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Dec 2019)
Tax Bill	$17,870 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`10-391296`

Property Details

APN / Parcel Number

Primary APN	`10-391296`
Alternative APN	`391296`

Interior

Full Baths	6 Baths
Stories	2 Stories
Building Area	8,674 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	212,573 sqft (4.88 acres)
Garage Type	Mixed
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	880 sqft
Porch	Slab
Porch Area	84 sqft
Deck Area	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	391296
Street Address	11525 BAY POINT LN
City	BERLIN
State	MD
Zip	21811-2590
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 4 & OUTLOT 4 4.88 ACS SOUTH POINT RD MARK GROSS MIN SUBDIV
Legal Subdivision	MARK GROSS MIN SUB
Legal Lot Number	4
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3041
Census Tract	951700

Owner

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

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 File
Mailing Address	11525 BAY POINT LN, BERLIN, MD 21811-2590
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED NATIONS FCU
Dec 19, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Dec 7, 2018	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 19, 2019 · Amount on Record
Deed Sale	Dec 19, 2019 · Amount on Record
Prior Sale	Sep 28, 2005 · Amount on Record
Deed Book / Page	7560 / 25
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	6502 S POINT RD, BERLIN, MD 21811-2634
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6502 S POINT RD, BERLIN, MD 21811-2634

Mortgage

Document Number	0082270477
Date	Nov 17, 2021
Book Page	8227/477

Lender

Name	UNITED NATIONS FCU
Type	Credit Union
Address	LONG ISLAND CITY, NY 11101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	2%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7%
Index	1-Year LIBOR
Max Rate	7%

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 19, 2019
Property Address	6502 S POINT RD, BERLIN, MD 21811-2634
Document Number	0075600025
Book / Page	007560 / 000025
Instrument Date	Dec 12, 2019
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	MARYLAND TITLE SERVICES CORPORATION, MARYLAND TITLE SVC CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6502 S POINT RD BERLIN MD 218112634, BERLIN, MD 21811-2634

Mortgage

Document Number	75600030
Date	Dec 19, 2019
Book Page	007560/000030

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 18, 2034

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WORCESTER MD
Property Address	6502 S POINT RD, BERLIN, MD 21811-2634
Document Number	0073480157
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6502 S POINT RD BERLIN MD 218112634, BERLIN, MD 21811-2634

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		$2,329,367 (+3.74%)	$2,497,300 (+11.22%) Land $534,400 Building $1,962,900
2025	$17,870.00 (+4.2%) Homeowner's exemption	$2,245,400 (+18.23%) Land $444,400 Building $1,801,000	$2,245,400 (-) Land $444,400 Building $1,801,000
2023	$17,149.00 Homeowner's exemption	$1,899,200	$2,245,400 Land $444,400 Building $1,801,000

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 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 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.03% 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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