Worcester County property record for 81 White Sail Cir, Ocean Pines, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,314 sqft · built 1973 |
| Lot Size | 0.319 acres (13,875 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Dec 2002) |
| Tax Bill | $5,171 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-045471 |
| Primary APN | 03-045471 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,314 sqft Total Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,875 sqft (0.319 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 444 sqft |
| Deck Area | 172 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 045471 |
|---|---|
| Street Address | 81 WHITE SAIL CIR |
| City | BERLIN |
| State | MD |
| Zip | 21811-1514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT C-01-564 13875 SQ FT WHITE SAIL CIRCLE PLAT OCEAN PINES SEC 1B |
| Legal Subdivision | OCEAN PINES SEC 01 |
| Legal Lot Number | 564 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 6, NORTHERN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 950700 |
81 White Sail Cir is owned and occupied by two individuals who bought it in December 2002.
Source: Worcester County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 81 WHITE SAIL CIR, BERLIN, MD 21811-1514 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 24, 2002 · Amount on File |
| Deed Sale | Dec 24, 2002 · Amount on File |
| Prior Sale | Aug 21, 2001 · Amount on File |
| Deed Document Number | 2002340745 |
| Deed Book / Page | 3535 / 553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 81 WHITE SAIL CIR, OCEAN PINES, MD 21811-1514 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0084050186 |
|---|---|
| Date | Jun 14, 2022 |
| Book Page | 8405/186 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 81 White Sail Cir was $5,171 with a homeowner's exemption, up 0.7% from the year before.
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,171.00 (+0.74%) Homeowner's exemption | $617,067 | $651,400 Land $274,600 Building $376,800 |
| 2025 | $5,133.00 Homeowner's exemption | ||
| 2023 | $4,993.00 Homeowner's exemption | $529,233 | $548,400 Land $274,600 Building $273,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 White Sail Cir in Zone X, an area of moderate flood risk, within 100 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 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 File median of 155 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 155 in force |
| Nearby Flood Claims | 26 (1985–2024) |
| Claims Outside the SFHA | 14 of 26 |
| Most Recent Claim | Sep 2024 · other causes |
| Claims by Event |
|
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.
The area around 81 White Sail Cir has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 540 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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