9503 Harbor Lights Dr, Berlin, MD 21811 Property Records

Worcester County property record for 9503 Harbor Lights Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,921 sqft · built 2002
Lot Size	0.3 acres (13,079 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,000 (Oct 2013)
Tax Bill	$4,230 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`10-373611`

Property Details

APN / Parcel Number

Primary APN	`10-373611`
Alternative APN	`373611`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,921 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,079 sqft (0.3 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	339 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	373611
Street Address	9503 HARBOR LIGHTS DR
City	BERLIN
State	MD
Zip	21811-2729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	LOT 75 13079 SQ FT HARBOR LIGHT DR OCEAN REEF SUBDIV
Legal Subdivision	OCEAN REEF SUB
Legal Lot Number	75
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1016
Census Tract	951700

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	9503 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2013 · Amount on Record
Deed Sale	Oct 17, 2013 · Amount on Record
Prior Sale	Jul 31, 2013 · Amount on Record
Deed Book / Page	6262 / 148
Prior Transfer Date	Jul 25, 2013
Prior Transfer Doc	0062110280
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	9503 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0075780241
Date	Jan 21, 2020
Book Page	7578/241

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2040

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	9503 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080110049
Date	Apr 15, 2021
Book Page	8011/49

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	9503 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	NOT AVAILABLE, RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084310169
Date	Jul 27, 2022
Book Page	8431/169

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,230.00 (+0.5%) Homeowner's exemption	$555,200 (+3.49%)	$592,600 (+10.46%) Land $123,000 Building $469,600
2025	$4,209.00 (+4.05%) Homeowner's exemption	$536,500 (+19.14%) Land $123,000 Building $413,500	$536,500 (-) Land $123,000 Building $413,500
2023	$4,045.00 Homeowner's exemption	$450,300	$536,500 Land $123,000 Building $413,500

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 271 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	274 units insured incl. 3 condo units
Nearby Flood Claims	107 (1991–2012)
Claims Outside the SFHA	4 of 107
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 15 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MYSTIC HARBOUR serves 5,945 people · EPA ID MD0230011
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2022–2024) 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 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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