108 E Pennington St, Oakland, MD 21550 Property Records

Garrett County property record for 108 E Pennington St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,752 sqft · built 1914
Lot Size	0.122 acres (5,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$46,000 (Jun 1991)
Tax Bill	$1,788 (2026)
Deeds & Mortgages	Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`17-010077`

Property Details

APN / Parcel Number

Primary APN	`17-010077`
Alternative APN	`010077`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,752 sqft Total Area

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,332 sqft (0.122 acres)
Porch	Slab
Porch Area	160 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	010077
Street Address	108 E PENNINGTON ST
City	OAKLAND
State	MD
Zip	21550-1330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	5332 SQ FT 108 E PENNINGTON ST OAKLAND
Legal Subdivision	PENNINGTONS ADD
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3002
Census Tract	601

Historic Designation

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

Historic District	Within the Oakland Historic District listed 1984 · 175 contributing resources · NRIS 84001798

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

Owner

Source: Garrett County records, as of July 27, 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	108 E PENNINGTON ST, OAKLAND, MD 21550-1330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 1991 · Amount on Record
Deed Sale	Jun 26, 1991 · Amount on Record
Deed Book / Page	566 / 511
Record Updated	Sep 20, 2026

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GARRETT MD
Property Address	108 E PENNINGTON ST, OAKLAND, MD 21550-1330
Document Number	0019950168
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 E PENNINGTON ST OAKLAND MD 215501330, OAKLAND, MD 21550-1330

Mortgage

Document Number	0019950168
Date	Mar 15, 2017
Book Page	001995/000168

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,788.00 (+0.73%) Homeowner's exemption	$123,133 (+1.76%)	$127,400 (+5.29%) Land $11,400 Building $116,000
2025	$1,775.00 (+4.29%) Homeowner's exemption	$121,000 (+14.01%) Land $11,400 Building $109,600	$121,000 (-) Land $11,400 Building $109,600
2023	$1,702.00 Homeowner's exemption	$106,133	$121,000 Land $11,400 Building $109,600

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

Flood

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	3 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

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 OAKLAND serves 1,850 people · EPA ID MD0110008
Water Source	Surface water
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	1 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40

May also be available: T-Mobile, Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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