Worcester County property record for 8438 Circle Rd, Berlin, MD 21811 · Last verified August 2026
| Property Type | Rural Home |
|---|---|
| Details | 3.5 ba · 3,722 sqft · built 2023 |
| Lot Size | 9.15 acres (398,574 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,061 (2025) |
| Deeds & Mortgages | Feb 2023 Construction Loan Aug 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-002357 |
| Primary APN | 03-002357 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,722 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 398,574 sqft (9.15 acres) |
| Garage Type | Mixed |
| Garage Area | 1,528 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 306 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 002357 |
|---|---|
| Street Address | 8438 CIRCLE RD |
| City | BERLIN |
| State | MD |
| Zip | 21811-2121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 9.15 ACS W SIDE CIRCLE ROAD PL THOMAS W DUNCAN ET AL |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 4, WESTERN |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 950800 |
Source: Worcester County records · APN 03-002357
Assessment roll updated July 31, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 8438 CIRCLE RD, BERLIN, MD 21811-2121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2023 | Deed of Trust, Mortgage · Construction Mortgage FULTON BANK NA |
| Aug 23, 2022 | Gift Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 15, 2022 |
| Transfer Doc | 0084460284 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 8438 CIRCLE RD, BERLIN, MD 21811-2121 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Title Company | COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK |
| Name | Verified Name |
|---|---|
| Address | 132 INTREPID LN, BERLIN, MD 21811-2773 |
| Document Number | 0085310387 |
|---|---|
| Date | Feb 21, 2023 |
| Book Page | 8531/387 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | LANCASTER, PA 17602 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Mar 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 01, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.5% |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Aug 23, 2022 |
| Property Address | 8438 CIRCLE RD, BERLIN, MD 21811-2121 |
| Document Number | 0084460284 |
| Book / Page | 8446 / 284 |
| Map Reference | CAB SVH 203 FO 15 |
| Instrument Date | Aug 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $607,900 (+6.69%) | $646,000 (-) Land $54,200 Building $591,800 | |
| 2025 | $5,061.00 (+805.37%) Homeowner's exemption | $569,800 (+874.57%) | $646,000 (+1,002.39%) Land $54,200 Building $591,800 |
| 2023 | $559.00 | $58,467 | $58,600 Land $54,200 Building $4,400 |
Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240479508002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2012–2026) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Jan 2026, other causes |
| Wildfire Risk | Low above 35% of the US · above 73% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 2,500 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Talkie Communications | Fiber | 10,000 / 10,000 |
| Mediacom Communications | Cable | 2,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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