108 N 2nd St, Oakland, MD 21550 Property Records

Garrett County property record for 108 N 2nd St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,888 sqft · built 1904
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$293,000 (Jul 2021)
Tax Bill	$4,520 (2026)
Deeds & Mortgages	Jul 2021 Sale & Line of Credit Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-007947`

Property Details

APN / Parcel Number

Primary APN	`17-007947`
Alternative APN	`007947`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	3,888 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	1,526 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	007947
Street Address	108 N 2ND ST
City	OAKLAND
State	MD
Zip	21550-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.23 AC 108 N 2ND ST OAKLAND
Legal Subdivision	PENNINGTON ADDITION
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3040
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 N 2ND ST, OAKLAND, MD 21550-1318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed, Transfer · Line of Credit FIRST UNITED BANK & TRUST CO
Feb 26, 2019	Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021 · Amount on Record
Deed Sale	Jul 6, 2021 · Amount on Record
Prior Sale	Feb 26, 2019 · Amount on Record
Deed Book / Page	2330 / 96
Last Transfer Date	Oct 9, 2024
Transfer Doc	0025910076
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jul 6, 2021
Property Address	108 N 2ND ST, OAKLAND, MD 21550-1318
Document Number	0023300096
Book / Page	2330 / 96
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N 2ND ST, OAKLAND, MD 21550-1318

Mortgage

Document Number	0002330102
Date	Jul 6, 2021
Instrument	2330/102

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Feb 26, 2019
Property Address	108 N 2ND ST, OAKLAND, MD 21550-1318
Document Number	0021190245
Book / Page	2119 / 0245
Instrument Date	Feb 25, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	108 N 2ND ST, OAKLAND, MD 21550-1318

Mortgage

Document Number	0002119252
Date	Feb 26, 2019
Instrument	2119/252

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$4,520.00 (+0.83%) Homeowner's exemption	$288,833 (+3.34%)	$307,500 (+10.02%) Land $21,400 Building $286,100
2025	$4,483.00 (+0.47%) Homeowner's exemption	$279,500 (+2.72%) Land $21,400 Building $258,100	$279,500 (-) Land $21,400 Building $258,100
2023	$4,462.00	$272,100	$279,500 Land $21,400 Building $258,100

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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