8 Bay Vista Dr, Berlin, MD 21811 Property Records

Worcester County property record for 8 Bay Vista Dr, Berlin, MD 21811

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,792 sqft · built 1989
Lot Size	0.172 acres (7,497 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jun 2017)
Tax Bill	$1,945 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Mar 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-311527`

Property Details

APN / Parcel Number

Primary APN	`10-311527`
Alternative APN	`311527`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Total Area
Utility Area	100 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Mobile Home
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,497 sqft (0.172 acres)
Deck Area	438 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	311527
Street Address	8 BAY VISTA DR
City	BERLIN
State	MD
Zip	21811-9616
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R-5
Legal Description	LOT 23 BLK C 7497 SQ FT BAY VISTA LANE MYSTIC HARBOUR SEC 1
Legal Subdivision	MYSTIC HARBOUR
Legal Block	C
Legal Lot Number	23
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1014
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	8 BAY VISTA DR, BERLIN, MD 21811-9616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · FHA Mortgage SOUTHPOINT FINANCIAL SERVICES INC
Mar 28, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Dec 8, 2021	Deed of Trust, Mortgage · FHA Mortgage FINANCIAL FREEDOM MORTGAGE LLC
Jul 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCIAL FREEDOM MORTGAGE LLC
Jun 30, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Prior Sale	Jan 25, 1989 · Amount on Record
Deed Document Number	20177032-479
Deed Book / Page	7032 / 479
Last Transfer Date	Mar 24, 2020
Transfer Doc	0076990005
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	8 BAY VISTA DR, BERLIN, MD 21811-9616
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	PROGRESSIVE LAND TTL AGCY LT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084540199
Date	Sep 6, 2022
Book Page	8454/199

Lender

Name	SOUTHPOINT FINANCIAL SERVICES INC
Type	Subprime Lender
Address	ALPHARETTA, GA 30005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	8 BAY VISTA DR, BERLIN, MD 21811-9616
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073870331
Date	Mar 28, 2019
Book Page	7387/331

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	8 BAY VISTA DR, BERLIN, MD 21811-9616
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	EAGLE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	S BAY VISTA DR, BERLIN, MD 21811

Mortgage

Document Number	0082540370
Date	Dec 8, 2021
Book Page	8254/370

Lender

Name	FINANCIAL FREEDOM MORTGAGE LLC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Apr 1, 2051

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Jul 1, 2020
Property Address	8 BAY VISTA DR, BERLIN, MD 21811-9616
Document Number	0076990005
Book / Page	7699 / 5
Map Reference	MB 7032 PG 479
Instrument Date	Mar 24, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 BAY VISTA DR, BERLIN, MD 21811-9616

Mortgage

Document Number	0000076999
Date	Jul 1, 2020
Instrument	7699/9

Lender

Name	FINANCIAL FREEDOM MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WORCESTER MD
Recording Date	Jun 30, 2017
Property Address	8 BAY VISTA DR, BERLIN, MD 21811-9616
Document Number	0070320479
Book / Page	7032 / 479
Map Reference	MB WCL112 FO59
Instrument Date	Jun 19, 2017
Instrument	7032-479
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 BAY VISTA DR, BERLIN, MD 21811-9616

Mortgage

Document Number	7032487
Date	Jun 30, 2017
Instrument	7032-487

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$1,945.00 (+0.93%) Homeowner's exemption	$275,267 (+6.2%)	$307,400 (+18.6%) Land $95,200 Building $212,200
2025	$1,927.00 (+4.22%) Homeowner's exemption	$259,200 (+19.04%) Land $95,200 Building $164,000	$259,200 (-) Land $95,200 Building $164,000
2023	$1,849.00 Homeowner's exemption	$217,733	$259,200 Land $95,200 Building $164,000

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 271 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	274 units insured incl. 3 condo units
Nearby Flood Claims	107 (1991–2012)
Claims Outside the SFHA	4 of 107
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Hurricane Isabel, Sep 2003 · 3 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	MYSTIC HARBOUR serves 5,945 people · EPA ID MD0230011
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 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 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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