92 Windjammer Rd, Berlin, MD 21811 Property Records

Worcester County property record for 92 Windjammer Rd, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,168 sqft · built 1972
Lot Size	0.214 acres (9,331 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Apr 2021)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-056724`

Property Details

APN / Parcel Number

Primary APN	`03-056724`
Alternative APN	`056724`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,168 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,331 sqft (0.214 acres)
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	056724
Street Address	92 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 B-06-295 9331 SQ FT WINDJAMMER RD PLAT OCEAN PINES SEC 6
Legal Subdivision	OCEAN PINES
Legal Lot Number	295
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	3
Census Block	3003
Census Tract	950600

Owner

Source: Worcester County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	92 WINDJAMMER RD, BERLIN, MD 21811-1873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Jul 18, 2017	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Book / Page	8028 / 151
Prior Transfer Date	Dec 7, 2007
Prior Transfer Doc	0050380423
Record Updated	Sep 20, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 28, 2021
Property Address	92 WINDJAMMER RD, OCEAN PINES, MD 21811-1873
Document Number	0080280151
Book / Page	8028 / 151
Instrument Date	Apr 22, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
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
Address	92 WINDJAMMER RD, BERLIN, MD 21811-1873

Mortgage

Document Number	0008028158
Date	Apr 28, 2021
Instrument	8028/158

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

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

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 18, 2017
Property Address	92 WINDJAMMER RD, OCEAN PINES, MD 21811-1873
Document Number	0070410133
Book / Page	007041 / 000133
Instrument Date	Jul 14, 2017
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	RESORT LAND TITLE AND ESCROW, RESORT LAND TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$119.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	92 WINDJAMMER RD OCEAN PINES MD 218111873, OCEAN PINES, MD 21811-1873

Mortgage

Document Number	70410137
Date	Jul 18, 2017
Book Page	007041/000137

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2047

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

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		$280,833 (+11.32%)	$309,400 (-) Land $93,200 Building $216,200
2025	$2,328.00 (+24.96%)	$252,267 (+29.55%)	$309,400 (+38.31%) Land $93,200 Building $216,200
2023	$1,863.00	$194,733	$223,700 Land $81,900 Building $141,800

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 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

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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