9943 Main St, Berlin, MD 21811 Property Records

Worcester County property record for 9943 Main St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,797 sqft · built 1997
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$2,074 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`03-132048`

Property Details

APN / Parcel Number

Primary APN	`03-132048`
Alternative APN	`132048`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,797 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Pool Area	434 sqft
Porch	Slab
Porch Area	182 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	132048
Street Address	9943 MAIN ST
City	BERLIN
State	MD
Zip	21811-3281
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	LOT 2 2 ACS W/S ST RD 818 MINOR SUBDIV LOTS 2 3 4 R COATES JR
Legal Subdivision	MINOR SUB
Legal Lot Number	2,4
Jurisdiction	WORCESTER MD
Township / Civil Division	4, WESTERN
Census Block Group	3
Census Block	3021
Census Tract	950800

Owner

9943 Main St is owned and occupied by an individual who acquired it in December 1996.

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

Owner of Record	Individual Name on File
Mailing Address	9943 MAIN ST, BERLIN, MD 21811-3281
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 7, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 1996
Deed Sale	Dec 12, 1996
Deed Document Number	1996304041
Deed Book / Page	2339 / 544
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	Apr 27, 2026
Property Address	9943 MAIN ST, BERLIN, MD 21811-3281
Document Number	9135000001
Book / Page	9135 / 1
Instrument Date	Apr 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9943 MAIN ST, BERLIN, MD 21811-3281

Mortgage

Document Number	9135000001,
Date	Apr 27, 2026
Book Page	9135/1

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WORCESTER MD
Property Address	9943 MAIN ST, BERLIN, MD 21811-3281
Document Number	0073620209
Instrument Date	Jan 7, 2019
Transaction Type	Mortgage
Record Updated	Feb 20, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9943 MAIN ST BERLIN MD 218113281, BERLIN, MD 21811-3281

Mortgage

Document Number	0073620209
Date	Feb 7, 2019
Book Page	007362/000209

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2049

Interest

Rate	4.87%

Tax Assessment & Valuation

The 2026 property tax bill for 9943 Main St was $2,074 with a homeowner's exemption, up 1.2% from the year before.

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	$2,074.00 (+1.22%) Homeowner's exemption	$331,500 (+7.04%)	$353,300 (-) Land $100,000 Building $253,300
2025	$2,049.00 Homeowner's exemption	$309,700	$353,300 Land $100,000 Building $253,300
2023	$1,910.00 Homeowner's exemption	$286,400	$287,900 Land $100,000 Building $187,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9943 Main St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.

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 File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	6 (2003–2017)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2017

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

Wildfire risk around 9943 Main St is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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