Garrett County property record for 109 N 2nd St, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,658 sqft · built 1962 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $283,000 (Dec 2022) |
| Tax Bill | $4,204 (2026) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-007173 |
| Primary APN | 17-007173 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,658 sqft Total Area |
| Attic | Attic |
| Attic Area | 284 sqft |
| Basement Area | 240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Conventional |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 112 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 007173 |
|---|---|
| Street Address | 109 N 2ND ST |
| City | OAKLAND |
| State | MD |
| Zip | 21550-1317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 0.20 AC 109 N 2ND ST OAKLAND |
| Legal Subdivision | PENNINGTONS ADD |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 14, WEST OAKLAND |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 601 |
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.
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 | Individual Name on Record |
|---|---|
| Mailing Address | 109 N 2ND ST, OAKLAND, MD 21550-1317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2022 · Amount on Record |
| Deed Sale | Dec 20, 2022 · Amount on Record |
| Prior Sale | Sep 17, 2004 · Amount on Record |
| Deed Book / Page | 2464 / 455 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Dec 20, 2022 |
| Property Address | 109 N 2ND ST, OAKLAND, MD 21550-1317 |
| Document Number | 0024640455 |
| Book / Page | 2464 / 455 |
| Map Reference | LB 2 PG 518 |
| Instrument Date | Dec 16, 2022 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2022 |
| Title Company | NOT AVAILABLE, LAKE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,415.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 109 N 2ND ST, OAKLAND, MD 21550-1317 |
| Document Number | 0024640462 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | 2464-0462 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Municipality | Oakland Town |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,204.00 (+27.59%) | $265,433 (+32.08%) | $269,700 (+2.43%) Land $18,600 Building $251,100 |
| 2023 | $3,295.00 | $200,967 | $263,300 Land $18,600 Building $244,700 |
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 · 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.
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 |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 140 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile, Xfinity.
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