Garrett County property record for 1028 Pysell Rd, Mc Henry, MD 21541
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,180 sqft · built 1973 |
| Lot Size | 2.83 acres (123,275 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,640 (2026) |
| Deeds & Mortgages | Apr 2020 Reverse Mortgage Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-004830 |
| Primary APN | 06-004830 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,180 sqft Total Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 123,275 sqft (2.83 acres) |
| Porch | Slab |
| Porch Area | 392 sqft |
| Deck Area | 128 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 004830 |
|---|---|
| Street Address | 1028 PYSELL RD |
| City | MC HENRY |
| State | MD |
| Zip | 21541-1237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.83 AC E/S PYSELL RD MCHENRY |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 6, SANG RUN |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 502 |
Source: Garrett County records, as of October 2, 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 Record |
|---|---|
| Mailing Address | 1028 PYSELL RD, MC HENRY, MD 21541-1237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2020 | Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC |
| Feb 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 1028 PYSELL RD, MC HENRY, MD 21541-1237 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021970118 |
|---|---|
| Date | Apr 3, 2020 |
| Book Page | 2197/118 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | SAN DIEGO, CA 92121 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 956 Months |
| Due | Dec 30, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.96% |
| Type Change Date | Mar 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 1028 PYSELL RD, MC HENRY, MD 21541-1237 |
| Document Number | 0021970135 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 1028 PYSELL RD MC HENRY MD 215411237, MC HENRY, MD 21541-1237 |
| Document Number | 0021970135 |
|---|---|
| Date | Apr 3, 2020 |
| Book Page | 002197/000135 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 948 Months |
| Due | Apr 2, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.96% |
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,640.00 (+4.19%) Homeowner's exemption | $169,300 (+43.84%) Land $47,700 Building $121,600 | $169,300 (+43.84%) Land $47,700 Building $121,600 |
| 2023 | $1,574.00 Homeowner's exemption | $117,700 Land $36,800 Building $80,900 | $117,700 Land $36,800 Building $80,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 1, 2019
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 6 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 19 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 |
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