88 White Horse Dr, Berlin, MD 21811 Property Records

Worcester County property record for 88 White Horse Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,512 sqft · built 2022
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Apr 2022)
Tax Bill	$3,457 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-092941`

Property Details

APN / Parcel Number

Primary APN	`03-092941`
Alternative APN	`092941`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Total Area
Utility Area	48 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Porch	Slab
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	092941
Street Address	88 WHITE HORSE DR
City	BERLIN
State	MD
Zip	21811-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B O2 O37 9000 SQ FT WHITE HORSE DR PL OCEAN PINES SEC 2
Legal Subdivision	OCEAN PINES SEC 02
Legal Lot Number	B,O2
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	2
Census Block	2016
Census Tract	950700

Owner

88 White Horse Dr is owned by two individuals who bought it in April 2022.

Source: Worcester County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2935 HAMMONDS FERRY RD, HALETHORPE, MD 21227-3143
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC
Aug 5, 2021	Deed, Transfer · Stand-Alone First Mortgage WT ACQUISITONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2022 · Amount on File
Deed Sale	Apr 21, 2022 · Amount on File
Prior Sale	Aug 5, 2021 · Amount on File
Deed Book / Page	8365 / 379
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 20, 2022
Property Address	88 WHITE HORSE DR, OCEAN PINES, MD 21811-1610
Document Number	0083650379
Book / Page	8365 / 379
Map Reference	MB FWH 11 FO 24
Instrument Date	Apr 14, 2022
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	NOT AVAILABLE, MID ATLANTIC T&E CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2935 HAMMONDS FERRY RD, HALETHORPE, MD 21227-3143

Mortgage

Document Number	0008365383
Date	Apr 20, 2022
Instrument	8365-383

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Aug 5, 2021
Property Address	88 WHITE HORSE DR, OCEAN PINES, MD 21811-1610
Document Number	0081340299
Book / Page	8134 / 299
Map Reference	MB 11 PG 24
Instrument Date	Jul 28, 2021
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10440 GOLF COURSE RD, OCEAN CITY, MD 21842-9102

Mortgage

Document Number	0008134304
Date	Aug 5, 2021
Instrument	8134/304

Lender

Name	WT ACQUISITONS LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 88 White Horse Dr was $3,457, up 9.2% from the year before.

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	$3,457.00 (+9.16%)	$374,567 (+9.16%)	$406,000 (-) Land $93,000 Building $313,000
2025	$3,167.00	$343,133	$406,000 Land $93,000 Building $313,000
2023	$2,789.00	$291,467	$311,700 Land $81,700 Building $230,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 88 White Horse Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1985.

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 File median of 60 policies
Nearby Flood Policies	60 in force
Nearby Flood Claims	26 (1985–2015)
Claims Outside the SFHA	15 of 26
Most Recent Claim	Oct 2015 · tidal / storm surge
Claims by Event	Severe Snowfall & Winter Storm, Mar 1993 · 2 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

Wildfire risk around 88 White Horse Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 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	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 602 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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