9515 Harbor Lights Dr, Berlin, MD 21811 Property Records

Worcester County property record for 9515 Harbor Lights Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,859 sqft · built 2017
Lot Size	0.962 acres (41,895 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,000,000 (Apr 2026)
Tax Bill	$10,546 (2026)
Deeds & Mortgages	May 2021 Mortgage Apr 2026 Sale & Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`10-373549`

Property Details

APN / Parcel Number

Primary APN	`10-373549`
Alternative APN	`373549`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,859 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	41,895 sqft (0.962 acres)
View / Lot	Waterfront
Garage Type	Built-in
Garage Area	1,022 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	373549
Street Address	9515 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	LTS 47 & 48 41895 S HARBOR LIGHT DR DEC/CONSOL SRB 6837/360
Legal Subdivision	OCEAN REED SUBDIVISION
Legal Lot Number	47,48
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1007
Census Tract	951700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9515 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK
Apr 17, 2026	Deed, Transfer · Line of Credit CALVIN B TAYLOR BKNG
Apr 17, 2026	Deed, Transfer · Line of Credit CALVIN B TAYLOR BKNG
Oct 13, 2017	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Apr 8, 2016 · Amount on Record
Deed Book / Page	9129 / 125
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	9515 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080570177
Date	May 19, 2021
Book Page	8057/177

Lender

Name	UNITED BANK
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 17, 2026
Property Address	9515 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Document Number	9129000125
Book / Page	9129 / 125
Instrument Date	Apr 10, 2026
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	RESORT LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9515 HARBOR LIGHTS DR, BERLIN, MD 21811-2729

Mortgage

Document Number	9129000131,
Date	Apr 17, 2026
Book Page	9129/131

Lender

Name	CALVIN B TAYLOR BKNG

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 17, 2026
Property Address	9515 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Document Number	0091290125
Book / Page	9129 / 125
Instrument Date	Apr 10, 2026
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	RESORT TITLE, RESORT LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9515 HARBOR LIGHTS DR, BERLIN, MD 21811-2729

Mortgage

Document Number	9129000131,
Date	Apr 17, 2026
Book Page	9129/131

Lender

Name	CALVIN B TAYLOR BKNG

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	9515 HARBOR LIGHTS DR, BERLIN, MD 21811-2729
Document Number	0071000448
Book / Page	007100 / 000448
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017
Title Company	BB AND T ML POST CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 IS HARBOR LIGHT DR BERLIN MD 21811, BERLIN, MD 21811

Mortgage

Document Number	0071000448
Date	Oct 25, 2017
Book Page	007100/000448

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 24, 2032

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	$10,546.00 (+2.88%)	$1,142,633 (+2.88%)	$1,206,500 (+8.63%) Land $308,000 Building $898,500
2025	$10,251.00 (+17.53%)	$1,110,700 (+21.86%) Land $308,000 Building $802,700	$1,110,700 (-) Land $308,000 Building $802,700
2023	$8,722.00	$911,433	$1,110,700 Land $308,000 Building $802,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 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	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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