103 E St, Mountain Lake Park (Oakland), MD 21550 Property Records

Garrett County property record for 103 E St, Mountain Lake Park, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,512 sqft · built 1905
Lot Size	0.386 acres (16,800 sqft)
Owner	2 Individual Names on File
Last Sale	$129,850 (Mar 2018)
Tax Bill	$2,290 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-008907`

Property Details

APN / Parcel Number

Primary APN	`16-008907`
Alternative APN	`008907`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,512 sqft Total Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Metal
Lot Area	16,800 sqft (0.386 acres)

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	198 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	008907
Street Address	103 E ST
City	OAKLAND
State	MD
Zip	21550-3515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOTS 155, 162 P/O LO 103 E ST MT LAKE PARK
Legal Subdivision	TOWN MT LAKE PARK
Legal Lot Number	155,162
Jurisdiction	GARRETT MD
Township / Civil Division	16, MOUNTAIN LAKE PARK
Census Block Group	4
Census Block	4083
Census Tract	700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mountain Lake Park Historic District listed 1983 · 145 contributing resources · NRIS 83002948

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

103 E St is owned and occupied by two individuals who bought it in March 2018.

Source: Garrett County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 E ST, OAKLAND, MD 21550-3515
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 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Mar 26, 2018	Grant Deed, Transfer FIRST MTG SVCS GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2018 · Amount on File
Deed Sale	Mar 21, 2018 · Amount on File
Prior Sale	Jun 2, 2009 · Amount on File
Deed Book / Page	2063 / 186
Transfer Doc	0000000017
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	103 E ST, MT LAKE PARK, MD 21550-3515
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	NOT AVAILABLE, WESTCOR AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E ST, MOUNTAIN LAKE PARK, MD 21550-3515

Mortgage

Document Number	0024070377
Date	Apr 7, 2022
Book Page	2407/377

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 26, 2018
Property Address	103 E ST, MT LAKE PARK, MD 21550-3515
Document Number	0020630186
Book / Page	002063 / 000186
Instrument Date	Mar 16, 2018
Transaction Type	Transfer
Record Updated	Apr 4, 2018
Title Company	DEEP CRK TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 E ST MOUNTAIN LAKE PARK MD 215503515, MOUNTAIN LAKE PARK, MD 21550-3515

Mortgage

Document Number	20630190
Date	Mar 26, 2018
Book Page	002063/000190

Lender

Name	FIRST MTG SVCS GROUP INC
Address	CUMBERLAND, MD 21502

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 103 E St was $2,290.

Source: Garrett County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Municipality	Mountain Lake Park Town
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,290.00	$154,500	$157,700 Land $20,500 Building $137,200
2023	$2,113.00	$134,433	$152,900 Land $20,500 Building $132,400

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

Flood

FEMA maps place 103 E St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 1, 2019 · 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
Nearby Flood Policies	1 in force

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 103 E St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF MOUNTAIN LAKE PARK serves 3,000 people · EPA ID MD0110007
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2021–2023) 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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