91 Windjammer Rd, Ocean Pines (Berlin), MD 21811 Property Records

Worcester County property record for 91 Windjammer Rd, Ocean Pines, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,368 sqft · built 1974
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jun 2016)
Tax Bill	$3,506 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-068145`

Property Details

APN / Parcel Number

Primary APN	`03-068145`
Alternative APN	`068145`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,368 sqft Total Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Porch	Porch
Porch Area	320 sqft
Deck Area	215 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	068145
Street Address	91 WINDJAMMER RD
City	BERLIN
State	MD
Zip	21811-1873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT G-06-017 9000 SQ FT WINDJAMMER RD PL OCEAN PINES SEC 6
Legal Subdivision	OCEAN PINES SEC 06
Legal Lot Number	17
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	3
Census Block	3000
Census Tract	950600

Owner

91 Windjammer Rd is owned and occupied by an individual who bought it in June 2016.

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

Owner of Record	Individual Name on File
Mailing Address	91 WINDJAMMER RD, BERLIN, MD 21811-1873
Occupancy	Owner Occupied
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
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND
Dec 10, 2020	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2016 · Amount on File
Deed Sale	Jun 28, 2016 · Amount on File
Prior Sale	Sep 20, 2004 · Amount on File
Deed Book / Page	6798 / 79
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	91 WINDJAMMER RD, OCEAN PINES, MD 21811-1873
Transaction Type	Mortgage
Record Updated	Aug 31, 2023
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 WINDJAMMER RD, BERLIN, MD 21811-1873

Mortgage

Document Number	0086210288
Date	Aug 15, 2023
Book Page	8621/288

Lender

Name	STATE EMPLOYEES CU OF MARYLAND
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	91 WINDJAMMER RD, OCEAN PINES, MD 21811-1873
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078670428
Date	Dec 10, 2020
Book Page	7867/428

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 91 Windjammer Rd was $3,506, up 11.9% 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	$3,506.00 (+11.94%)	$379,867	$420,400 Land $103,000 Building $317,400
2025	$3,132.00
2023	$2,745.00	$286,900	$298,800 Land $88,000 Building $210,800

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

Flood

FEMA maps place 91 Windjammer Rd in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1984.

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 193 individual policies
Nearby Flood Policies	213 units insured incl. 20 condo units
Nearby Flood Claims	36 (1984–2019)
Claims Outside the SFHA	14 of 36
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 6 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 91 Windjammer Rd is low, with 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 87% of Maryland
Wildfire Likelihood	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 494 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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