7 Cape Cir, Berlin, MD 21811 Property Records

Worcester County property record for 7 Cape Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,584 sqft · built 1988
Lot Size	0.33 acres (14,387 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2016)
Tax Bill	$5,573 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-123685`

Property Details

APN / Parcel Number

Primary APN	`03-123685`
Alternative APN	`123685`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,584 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,387 sqft (0.33 acres)
Garage Type	Mixed
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	312 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	123685
Street Address	7 CAPE CIR
City	BERLIN
State	MD
Zip	21811-1352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 30 14387 SQ FT CAPE CIRCLE PL GULL CREEK ESTATES
Legal Subdivision	GULL CREEK ESTATES
Legal Lot Number	30
Jurisdiction	WORCESTER MD
Township / Civil Division	2, CENTRAL
Census Block Group	3
Census Block	3004
Census Tract	951000

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	2 Individual Names on Record
Mailing Address	7 CAPE CIR, BERLIN, MD 21811-1352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Feb 19, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2016 · Amount on Record
Deed Sale	Oct 31, 2016 · Amount on Record
Prior Sale	Mar 17, 2016 · Amount on Record
Deed Book / Page	6876 / 172
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	7 CAPE CIR, BERLIN, MD 21811-1352
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MID ATLANTIC TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073240308
Date	Nov 20, 2018
Book Page	7324/308

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	7 CAPE CIR, BERLIN, MD 21811-1352
Document Number	0076060186
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7 CAPE CIR BERLIN MD 218111352, BERLIN, MD 21811-1352

Mortgage

Document Number	0076060186
Date	Mar 3, 2020
Book Page	007606/000186

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Municipality	Berlin Town
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$413,800 (+19.03%)	$436,800 (+18.76%) Land $70,200 Building $366,600
2025	$5,573.00 (+6.35%) Homeowner's exemption
2023	$5,240.00 Homeowner's exemption	$347,633	$367,800 Land $70,200 Building $297,600

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	4 (1989–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 1998 · rainfall accumulation

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF BERLIN serves 4,500 people · EPA ID MD0230001
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	5 ppb (2022–2024) 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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