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Single Family ResidentialResidential
$455,418$474 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 74How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

8746 STEPHEN DECATUR HWY

BERLIN, MD 21811
2 / 1
Baths
960 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.04 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$455K
$336K low$575K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.182%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$816,800
TRUIST BANK · recorded Apr 23, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,714 (2023)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$215,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$93,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$122,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$196,567
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$215,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
54
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
69
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.64 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.60%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
StyleThe architectural style of the home, such as ranch or colonial.Split Foyer
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.2.04
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 240 ft²Porch · 240 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Ocean City Elementary SchoolA+
Elementary · Grades PK–4 · 3.6 mi
M
Stephen Decatur Middle SchoolA+
Middle · Grades 7–8 · 3.7 mi
H
Stephen Decatur High SchoolB+
High · Grades 9–12 · 3.9 mi

District: Worcester County Public Schools

Neighborhood · ZIP 21811These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.75
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.70%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.24,607
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.200 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,659
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,978
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

8746 Stephen Decatur Hwy measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 98% of homes in Berlin 21811
  • Smaller than 89% of homes in Berlin 21811
  • Has a bigger lot than 93% of homes in Berlin 21811
  • Older than 84% of homes in Berlin 21811

What homes are worth in Berlin 21811

Each bar is how many homes fall in that price range. The marker is this home.

This home
$207K$1.3M

This home is worth more than 49% of homes in Berlin 21811.

How it measures up in Berlin 21811

The dot is this home. The mark in the middle is the typical home in Berlin 21811.

Estimated value$455,418
CheaperTypical $457,401Pricier

Pricier than 49% of homes nearby

Price per ft²$474
CheaperTypical $266Pricier

Pricier than 98% of homes nearby

Living area960 ft²
SmallerTypical 1,683 ft²Bigger

Bigger than 11% of homes nearby

Lot size2.04 ac
SmallerTypical 0.23 acBigger

Bigger than 93% of homes nearby

Year built1977
OlderTypical 1994Newer

Newer than 16% of homes nearby

How 8746 Stephen Decatur Hwy ranks against every home in each area.
MeasureThis homeBerlin 21811Worcester County
Estimated valuepricier than$455,41849% of homes50% of homes
Price per ft²pricier than$47498% of homes76% of homes
Living areabigger than960 ft²11% of homes27% of homes
Lot sizebigger than2.04 ac93% of homes89% of homes
Year builtnewer than197716% of homes34% of homes

About 8746 Stephen Decatur Hwy

How much is 8746 Stephen Decatur Hwy, Berlin, MD worth?

The TopHap Estimate for 8746 Stephen Decatur Hwy, Berlin, MD is $455,418 as of Jul 14, 2026. The likely range is $335,610 to $575,226. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 8746 Stephen Decatur Hwy, Berlin, MD last sell?

8746 Stephen Decatur Hwy, Berlin, MD last sold on Apr 23, 2025, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 8746 Stephen Decatur Hwy, Berlin, MD?

8746 Stephen Decatur Hwy, Berlin, MD has 2 bathrooms, 960 square feet of living space and a 2.04-acre lot.

When was 8746 Stephen Decatur Hwy, Berlin, MD built?

8746 Stephen Decatur Hwy, Berlin, MD was built in 1977, making it 49 years old. It is a split foyer home. The building has 1 story.

What schools serve 8746 Stephen Decatur Hwy, Berlin, MD?

8746 Stephen Decatur Hwy, Berlin, MD is assigned to Ocean City Elementary School (elementary), rated A+; Stephen Decatur Middle School (middle), rated A+; Stephen Decatur High School (high), rated B+. All sit in Worcester County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 8746 Stephen Decatur Hwy, Berlin, MD compare to other homes in Berlin 21811?

Among the 15,257 homes in Berlin 21811, it is worth more than 49% of them ($455,418 against a typical $457,401), its price per square foot is higher than 98% of them ($474 against a typical $266), it is bigger than 11% of them (960 ft² against a typical 1,683 ft²), its lot is bigger than 93% of them (2.04 ac against a typical 0.23 ac) and it is newer than 16% of them (1977 against a typical 1994). Measured against all of Worcester County, it is worth more than 50% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 8746 Stephen Decatur Hwy, Berlin, MD?

The 2023 property tax bill for 8746 Stephen Decatur Hwy, Berlin, MD was $1,714. The county assessed it at $215,600.

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