79 Watertown Rd, Ocean Pines (Berlin), MD 21811 Property Records

Worcester County property record for 79 Watertown Rd, Ocean Pines, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,248 sqft · built 1992
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$287,500 (Nov 2019)
Tax Bill	$2,597 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-089126`

Property Details

APN / Parcel Number

Primary APN	`03-089126`
Alternative APN	`089126`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,248 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	089126
Street Address	79 WATERTOWN RD
City	BERLIN
State	MD
Zip	21811-1716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT B-11-413 9000 SQ FT WATERTOWN RD PL OCEAN PINES SEC 11
Legal Subdivision	OCEAN PINES SECTION ELEVEN
Legal Lot Number	413
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	1
Census Block	1012
Census Tract	951102

Owner

79 Watertown Rd is owned and occupied by an individual who bought it in November 2019.

Source: Worcester County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	79 WATERTOWN RD, BERLIN, MD 21811-1716
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Nov 21, 2019	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on File
Deed Sale	Nov 21, 2019 · Amount on File
Prior Sale	Sep 5, 2014 · Amount on File
Deed Book / Page	7541 / 83
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	Aug 12, 2026
Property Address	79 WATERTOWN RD, BERLIN, MD 21811-1716
Document Number	9200000492
Book / Page	9200 / 492
Instrument Date	Jul 20, 2026
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 WATERTOWN RD, BERLIN, MD 21811-1716

Mortgage

Document Number	9200000492,
Date	Aug 12, 2026
Book Page	9200/492

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Nov 21, 2019
Property Address	79 WATERTOWN RD, OCEAN PINES, MD 21811-1716
Document Number	0075410083
Book / Page	7541 / 083
Map Reference	MB 19 FO 7
Instrument Date	Nov 15, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	DELMARVA TITLE

Transaction

Amount	Amount on Record
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 in Severalty
Address	79 WATERTOWN RD, BERLIN, MD 21811-1716

Mortgage

Document Number	0000754190
Date	Nov 21, 2019
Instrument	7541/90

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 79 Watertown Rd was $2,597 with a homeowner's exemption, up 1.4% from the year before.

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	$2,597.00 (+1.45%) Homeowner's exemption	$365,800	$398,200 Land $73,000 Building $325,200
2025	$2,560.00 Homeowner's exemption
2023	$2,464.00 Homeowner's exemption	$280,633	$301,000 Land $73,000 Building $228,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 79 Watertown Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 301 policies
Nearby Flood Policies	301 in force
Nearby Flood Claims	6 (2011–2026)
Most Recent Claim	Jul 2026 · other causes

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

Wildfire risk around 79 Watertown Rd is low, with less than a 0.01% annual chance of 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.

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 388 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

Cell Coverage

5G (outdoors only) and 4G LTE

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