Worcester County property record for 9510 Harbor Lights Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,877 sqft · built 2000 |
| Lot Size | 0.676 acres (29,465 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $509,500 (Feb 2006) |
| Tax Bill | $3,292 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 10-373514 |
| Primary APN | 10-373514 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,877 sqft Total Area |
| Utility Area | 337 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 29,465 sqft (0.676 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 304 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 373514 |
|---|---|
| Street Address | 9510 HARBOR LIGHTS DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 44 29465 SQ FT HARBOR LIGHT DR OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF SUB |
| Legal Lot Number | 44 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373514
Assessment roll updated July 31, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 9510 HARBOR LIGHTS DR, BERLIN, MD 21811-2729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 24, 2006 · Amount on Record |
| Deed Sale | Feb 24, 2006 · Amount on Record |
| Prior Sale | Jun 28, 2002 · Amount on Record |
| Deed Document Number | 2006359721 |
| Deed Book / Page | 4649 / 208 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 9510 HARBOR LIGHTS DR, BERLIN, MD 21811-2729 |
| Document Number | 0077060441 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9510 HARBOR LIGHTS DR BERLIN MD 218112729, BERLIN, MD 21811-2729 |
| Document Number | 0077060441 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 007706/000441 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 09, 2035 |
Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $462,900 (+20.21%) Land $254,400 Building $208,500 | $462,900 (-10.84%) Land $254,400 Building $208,500 | |
| 2025 | $3,292.00 (+4.21%) Homeowner's exemption | ||
| 2023 | $3,159.00 | $385,067 | $519,200 Land $254,400 Building $264,800 |
Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Wildfire Risk | Low above 5% of the US · above 11% of Maryland |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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