86 Teal Cir, Berlin, MD 21811 Property Records

Worcester County property record for 86 Teal Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,024 sqft · built 1973
Lot Size	0.211 acres (9,210 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (May 2026)
Tax Bill	$3,282 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-043940`

Property Details

APN / Parcel Number

Primary APN	`03-043940`
Alternative APN	`043940`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,024 sqft Total Area
Utility Area	232 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	9,210 sqft (0.211 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	600 sqft
Balcony Area	256 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	043940
Street Address	86 TEAL CIR
City	BERLIN
State	MD
Zip	21811-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT C-04-037 9210 SQ FT TEAL CIRCLE PL OCEAN PINES SEC 4
Legal Subdivision	OCEAN PINES SEC 04
Legal Lot Number	37
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1003
Census Tract	950600

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	86 TEAL CIR, BERLIN, MD 21811-1542
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC
Apr 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Sep 29, 2016 · Amount on Record
Deed Book / Page	9155 / 277
Transfer Doc	0000331358
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 27, 2026
Property Address	86 TEAL CIR, BERLIN, MD 21811-1542
Document Number	9155000277
Book / Page	9155 / 277
Instrument Date	May 21, 2026
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72,215.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	86 TEAL CIR, BERLIN, MD 21811-1542
Investor	Possibly a Property Investor

Mortgage

Document Number	9155000285,
Date	May 27, 2026
Book Page	9155/285

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	86 TEAL CIR, OCEAN PINES, MD 21811-1542
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	HOME REAL ESTATE STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079890370
Date	Mar 30, 2021
Book Page	7989/370

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company
Address	ASBURY PARK, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	86 TEAL CIR, OCEAN PINES, MD 21811-1542
Document Number	0069830006
Book / Page	006983 / 000006
Instrument Date	Apr 10, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017
Title Company	SPECTRUM TITLE SERVICES LLC, SPECTRUM TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 TEAL CIR BERLIN MD 218111542, BERLIN, MD 21811-1542

Mortgage

Document Number	0069830006
Date	Apr 24, 2017
Book Page	006983/000006

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 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	$3,282.00 (+7.93%)	$355,667 (+7.93%)	$381,800 (-) Land $200,600 Building $181,200
2025	$3,041.00 (+7.95%)	$329,533 (+11.92%)	$381,800 (+25.84%) Land $200,600 Building $181,200
2023	$2,817.00	$294,433	$303,400 Land $181,100 Building $122,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 351 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	388 units insured incl. 37 condo units
Nearby Flood Claims	78 (1978–2021)
Claims Outside the SFHA	13 of 78
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 7 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 98% of the US · lower than 96% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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