8820 Sandyfield Rd, Berlin, MD 21811 Property Records

Worcester County property record for 8820 Sandyfield Rd, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,016 sqft · built 1996
Lot Size	2.09 acres (91,040 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,391 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-135837`

Property Details

APN / Parcel Number

Primary APN	`03-135837`
Alternative APN	`135837`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,016 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	91,040 sqft (2.09 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	336 sqft
Patio Area	341 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	135837
Street Address	8820 SANDYFIELD RD
City	BERLIN
State	MD
Zip	21811-2258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	LOT 2 2.09 AC E/S SANDYFIELD RD MIN SUB LDS OF WM BURBAGE PL
Legal Subdivision	MIN SUB
Legal Lot Number	2
Jurisdiction	WORCESTER MD
Township / Civil Division	4, WESTERN
Census Block Group	3
Census Block	3053
Census Tract	950800

Owner

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	8820 SANDYFIELD RD, BERLIN, MD 21811-2258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 9, 2019	Loan Modification, Mortgage · Conventional Mortgage FARMERS BK/WILLARDS
Jun 19, 2017	Deed of Trust, Mortgage FARMERS BK/WILLARDS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 1996
Deed Sale	Feb 7, 1996
Deed Document Number	1996300261
Deed Book / Page	2240 / 170
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	8820 SANDYFIELD RD, BERLIN, MD 21811-2258
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8820 SANDYFIELD RD, BERLIN, MD 21811-2258

Mortgage

Document Number	0090230138
Date	Oct 14, 2025
Book Page	9023/138

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 15, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WORCESTER MD
Property Address	8820 SANDYFIELD RD, BERLIN, MD 21811-2258
Document Number	0075780044
Instrument Date	Dec 9, 2019
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8820 SANDYFIELD RD BERLIN MD 218112258, BERLIN, MD 21811-2258

Mortgage

Document Number	0075780044
Date	Jan 17, 2020
Book Page	007578/000044

Lender

Name	FARMERS BK/WILLARDS
Type	Bank
Address	WILLARDS, MD 21874

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	8820 SANDYFIELD RD, BERLIN, MD 21811-2258
Document Number	0070290288
Book / Page	007029 / 000288
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	MID-ATLANTIC TITLE AND ESCROW COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8820 SANDYFIELD RD BERLIN MD 218112258, BERLIN, MD 21811-2258

Mortgage

Document Number	0070290288
Date	Jun 28, 2017
Book Page	007029/000288

Lender

Name	FARMERS BK/WILLARDS
Type	Bank
Address	WILLARDS, MD 21874

Agreement

Amount	Amount Recorded

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	$2,391.00 (+5.52%) Homeowner's exemption	$328,100 (+34.49%)	$360,600 (+37.06%) Land $100,400 Building $260,200
2025	$2,266.00 (+7.19%) Homeowner's exemption
2023	$2,114.00 Homeowner's exemption	$243,967	$263,100 Land $100,400 Building $162,700

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	6 (2003–2017)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2017

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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Choptank Fiber Fiber	2,500 / 2,500

Cell Coverage

5G (outdoors only) and 4G LTE

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