Garrett County property record for 108 N 3rd St, Oakland, MD 21550 · Last verified September 2023
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,234 sqft · built 1972 |
| Lot Size | 0.249 acres (10,857 sqft) |
| Owner | Individual Name on File |
| Last Sale | $86,398 (Nov 2017) |
| Tax Bill | $2,012 (2023) |
| Deeds & Mortgages | Nov 2019 Mortgage Nov 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-007939 |
| Primary APN | 17-007939 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,234 sqft Total Area |
| 1st Floor Area | 1,222 sqft |
| Year Built | Built 1972 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 10,857 sqft (0.249 acres) |
| Deck Area | 208 sqft |
| Patio Area | 208 sqft |
| Heating System | Forced Air |
|---|---|
| Sewer | Connected |
| Account Number | 007939 |
|---|---|
| Street Address | 108 N 3RD ST |
| City | OAKLAND |
| State | MD |
| Zip | 21550-1324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 10857 SQ FT 108 N THIRD ST OAKLAND |
| Legal Subdivision | PENNINGTONS ADD/OAKLAND |
| Legal Lot Number | 2 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 14, WEST OAKLAND |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 601 |
Source: Garrett County records · APN 17-007939
Assessment roll updated July 1, 2023 · Last verified September 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 N 3RD ST, OAKLAND, MD 21550-1324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU |
| Nov 13, 2017 | Deed, Transfer · FHA Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Apr 13, 2017 | Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 13, 2017 · Amount on Record |
| Deed Sale | Nov 13, 2017 · Amount on Record |
| Prior Sale | Apr 13, 2017 · Amount on Record |
| Deed Document Number | 171573 |
| Deed Book / Page | 2040 / 243 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 108 N 3RD ST, OAKLAND, MD 21550-1324 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | ALLEGHENY HIGHLANDS TTL & SE |
| Name | Verified Name |
|---|
| Document Number | 0021690315 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 2169/0315 |
| Name | FIRST PEOPLES COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Nov 13, 2017 |
| Property Address | 108 N 3RD ST, OAKLAND, MD 21550-1324 |
| Document Number | 0020400243 |
| Book / Page | 2040 / 0243 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 2040-0243 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | GEMINI TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 108 N 3RD ST, OAKLAND, MD 21550-1324 |
| Document Number | 0020400250 |
|---|---|
| Date | Nov 13, 2017 |
| Instrument | 2040-0250 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2047 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Apr 13, 2017 |
| Property Address | 108 N 3RD ST, OAKLAND, MD 21550-1324 |
| Document Number | 0020000227 |
| Book / Page | 002000 / 000227 |
| Instrument Date | Feb 27, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
Source: Garrett County records · Assessment roll updated July 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Municipality | Oakland Town |
| Unified School District | Garrett County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $2,012.00 | $122,733 | $139,000 Land $23,200 Building $115,800 |
Source: FEMA National Flood Hazard Layer, Garrett County (24023C), updated February 1, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240230006013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 140 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mountain Communications | Fiber | 1,000 / 1,000 |
| Shenandoah Telecommunications Company | Cable | 1,000 / 50 |
| Declaration Networks Group | Fixed Wireless (licensed-by-rule) | 300 / 40 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: T-Mobile USA, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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