Garrett County property record for 1094 Eagle Rock Rd, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,048 sqft · built 2008 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $538,000 (Jul 2023) |
| Tax Bill | $3,349 (2023) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-010101 |
| Primary APN | 10-010101 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,048 sqft Total Area |
| Basement Area | 1,280 sqft |
| Finished Basement | 1,280 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Mixed |
| Garage Area | 1,472 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 272 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 010101 |
|---|---|
| Street Address | 1094 EAGLE ROCK RD |
| City | OAKLAND |
| State | MD |
| Zip | 21550-6824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3.00 AC E/S EAGLE ROCK RD EAGLE ROCK |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 10, DEER PARK |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 400 |
Source: Garrett County records, as of July 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1094 EAGLE ROCK RD, OAKLAND, MD 21550-6824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2026 | Deed of Trust, Mortgage · VA Mortgage GO DIRECT LENDERS INC |
| Sep 11, 2025 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 14, 2023 | Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2023 · Amount on Record |
| Deed Sale | Jul 14, 2023 · Amount on Record |
| Prior Sale | Jan 16, 2001 · Amount on Record |
| Deed Book / Page | 2500 / 499 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Jun 9, 2026 |
| Property Address | 1094 EAGLE ROCK RD, OAKLAND, MD 21550-6824 |
| Document Number | 2690000127 |
| Book / Page | 2690 / 127 |
| Instrument Date | May 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | OMNI TITLE, OMNIA TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 1094 EAGLE ROCK RD, OAKLAND, MD 21550-6824 |
| Investor | Possibly a Property Investor |
| Document Number | 2690000127, |
|---|---|
| Date | Jun 9, 2026 |
| Book Page | 2690/127 |
| Name | GO DIRECT LENDERS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 1094 EAGLE ROCK RD, OAKLAND, MD 21550-6824 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 1094 EAGLE ROCK RD, OAKLAND, MD 21550-6824 |
| Document Number | 0026350187 |
|---|---|
| Date | Sep 11, 2025 |
| Book Page | 2635/187 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Jul 14, 2023 |
| Property Address | 1094 EAGLE ROCK RD, OAKLAND, MD 21550-6824 |
| Document Number | 0025000499 |
| Book / Page | 2500 / 499 |
| Map Reference | LB 827 PG 489 |
| Instrument Date | Jul 7, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2023 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1094 EAGLE ROCK RD, OAKLAND, MD 21550-6824 |
| Document Number | 0025000504 |
|---|---|
| Date | Jul 14, 2023 |
| Instrument | 2500-0504 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $502,000 (+16.91%) Land $25,000 Building $477,000 | $502,000 (-) Land $25,000 Building $477,000 | |
| 2025 | $429,400 (+51.09%) | $502,000 (+76.64%) Land $25,000 Building $477,000 | |
| 2023 | $3,349.00 (+4.1%) | $284,200 (+3.17%) Land $24,000 Building $260,200 | $284,200 (-) Land $24,000 Building $260,200 |
| 2022 | $3,217.00 Homeowner's exemption | $275,467 | $284,200 Land $24,000 Building $260,200 |
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 | 2 in force |
| Nearby Flood Claims | 5 (1985–1996) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Sep 1996 · Severe Storms And Flooding Assoc With Tropical Storm Fran |
| Claims by Event |
|
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 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
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