Worcester County property record for 8445 Circle Rd, Berlin, MD 21811
| Property Type | Rural Home |
|---|---|
| Details | 2.5 ba · 2,396 sqft · built 2020 |
| Lot Size | 14.4 acres (629,006 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,028 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-168077 |
| Primary APN | 03-168077 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,396 sqft Total Area |
| Utility Area | 308 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 629,006 sqft (14.4 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 168077 |
|---|---|
| Street Address | 8445 CIRCLE RD |
| City | BERLIN |
| State | MD |
| Zip | 21811-2121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 14.44 ACS E SIDE CIRCLE RD PL THOMAS W DUNCAN ET AL |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 4, WESTERN |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 950800 |
Source: Worcester County records, as of October 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 8445 CIRCLE RD, BERLIN, MD 21811-2121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 13, 2019 | Deed of Trust, Mortgage FIRST SHR FED'L S&L ASSN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2005 |
| Deed Sale | Nov 3, 2005 |
| Deed Document Number | 2005358635 |
| Deed Book / Page | 4571 / 543 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 8445 CIRCLE RD, BERLIN, MD 21811-2121 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 8445 CIRCLE RD, BERLIN, MD 21811-2121 |
| Document Number | 0091000228 |
|---|---|
| Date | Mar 2, 2026 |
| Book Page | 9100/228 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Feb 26, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 8445 CIRCLE RD, BERLIN, MD 21811-2121 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0079810190 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 7981/190 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 7 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 8445 CIRCLE RD, BERLIN, MD 21811-2121 |
| Document Number | 0074380006 |
| Instrument Date | Jun 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | CIRCLE RD BERLIN MD 21811, BERLIN, MD 21811 |
| Document Number | 0074380006 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 007438/000006 |
| Name | FIRST SHR FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | SALISBURY, MD 21803-4248 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 13, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
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 | $3,028.00 (+0.66%) Homeowner's exemption | $345,267 (+5.51%) | $363,300 (-) Land $56,400 Building $306,900 |
| 2025 | $3,008.00 (+2.66%) Homeowner's exemption | $327,233 (+6.85%) | $363,300 (+17.5%) Land $56,400 Building $306,900 |
| 2023 | $2,930.00 Homeowner's exemption | $306,267 | $309,200 Land $56,400 Building $252,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 10 policies |
| 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 73% 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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Talkie Communications Fiber | 10,000 / 10,000 |
| Verizon Fixed Wireless | 300 / 20 |
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