Worcester County property record for 9514 Harbor Lights Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 4.5 Baths |
| Year Built | Built 2002 |
| Square Footage | 4,500 sqft Total Area |
| Lot Size | 48,352 sqft (1.11 acres) |
| Garage | Mixed, 780 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $950,000 (2021) |
| Tax Bill | $6,647.00 (2025) |
| Primary APN | 10-373530 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Partial Baths | 3 Partial Baths |
| Building Area | 4,500 sqft Total Area |
| Stories | 3 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 48,352 sqft (1.11 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 780 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
| Deck Area | 264 sqft Deck |
| Porch Area | 234 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 373530 |
|---|---|
| Street Address | 9514 HARBOR LIGHTS DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2729 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 46 1.11 ACS HARBOR LIGHT DR OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF SUB |
| Legal Lot Number | 46 |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373530
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 | 9514 HARBOR LIGHTS DR, BERLIN, MD 21811-2729 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Sep 08, 2021 | Deed, Transfer · Line of Credit CALVIN B TAYLOR BANKING CO BERLIN M |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 08, 2021 · Amount on Record |
| Deed Sale | Sep 08, 2021 · Amount on Record |
| Prior Sale | Feb 18, 2003 · Amount on Record |
| Deed Book / Page | 8161 / 97 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 9514 HARBOR LIGHTS DR, BERLIN, MD 21811-2729 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0082420086 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 8242/86 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Sep 08, 2021 |
| Property Address | 9514 HARBOR LIGHTS DR, BERLIN, MD 21811-2729 |
| Document Number | 0081610097 |
| Book / Page | 8161 / 97 |
| Instrument Date | Sep 03, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 9514 HARBOR LIGHTS DR, BERLIN, MD 21811-2729 |
| Document Number | 0008161104 |
|---|---|
| Date | Sep 08, 2021 |
| Instrument | 8161/104 |
| Name | CALVIN B TAYLOR BANKING CO BERLIN M |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $959,867 (+29.96%) | $1,016,400 (+9.1%) Land $310,200 Building $706,200 | |
| 2025 | $6,647.00 (+4.2%) Homeowner's exemption | ||
| 2023 | $6,379.00 Homeowner's exemption | $738,600 | $931,600 Land $310,200 Building $621,400 |
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 | 6.0 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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