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148 Ocean Oval Cir, Berlin, MD, 21811

3beds
1baths
618sqft
$119,900
$194price/sqft
$1,160/moest. monthly cost
$46,400/yrincome needed

About This Home

Awesome vacation get-away or second home! White Horse Park is a fantastic waterfront community that sits off the beaten path, yet just minutes to Ocean City! Boaters will love the option to have their boat, trailer or kayaks on-site for a small annual fee. Many other community amenities as well, including on-site management office, marina, outdoor pool, laundry facilities and separate community room. This home features three bedrooms, one full bath, a fully equipped kitchen with breakfast bar, electric range and full size fridge, new LVP floors throughout. From the living room, there are sliding doors to a full-width screened porch. There is a storage shed included. Sellers will provide boundary survey. Updates include roof 2014, central A/C 2016, water heater 2018, LVP floors 2024.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
Showell Elementary SchoolGrades PK-41.9 mi
10/10
7/10

Construction

Condition

  • Year built: 1986

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range - Electric,Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Flooring: Luxury Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 618

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 618
  • Total interior livable area: 618 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 2403118983
  • Zoning: A-1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community

Lot

  • Lot size: 2,633 sqft
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 1
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Winter Weather
Tsunami

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $606$7,272
Home Insurance *$181$2,172
Property Taxes $92$1,104
Electricity $281$3,374
Total$1,160$13,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,771/yr
40% on housing$34,800/yr
45% on housing$30,933/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 21811$209
Worcester County$308

vs Homes Sold Last Month

Median $/sqft

ZIP 21811
Worcester County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-27Price change$129,900
2026-03-24Price change$134,900
2026-01-26Price change$141,900
2025-08-13Price change$149,900
2025-05-31Price change$154,900
2025-05-13Price change$159,900
2025-04-29Price change$164,900
2025-02-23Price change$169,900
2024-10-25Listed for sale$179,500
2021-04-02Sold$79,000
2021-01-25Pending sale$79,900
2020-12-15Listed for sale$79,900

For Sale by Agent

AgentJim Stephens
BrokerageEXP Realty, LLC

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