110 S 2nd St, Oakland, MD 21550 Property Records

Garrett County property record for 110 S 2nd St, Oakland, MD 21550

Property Summary

Property Type	Office Building
Details	2,025 sqft · built 1978
Lot Size	0.055 acres (2,433 sqft)
Owner	Company Name on Record
Last Sale	$280,000 (Aug 2021)
Tax Bill	$2,455 (2023)
Deeds & Mortgages	May 2023 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-007696`

Property Details

APN / Parcel Number

Primary APN	`17-007696`
Alternative APN	`007696`

Interior

Stories	1 Story
Building Area	2,025 sqft Total Area
Upper Floors Area	1,012 sqft

Exterior

Year Built	Built 1978
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	2,433 sqft (0.055 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	007696
Street Address	110 S 2ND ST
City	OAKLAND
State	MD
Zip	21550-1520
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C
Legal Description	0.06 AC 110 S 2ND ST OAKLAND
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3050
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 September 20, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	110 S 2ND ST, OAKLAND, MD 21550-1520
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Deed of Trust, Mortgage · Unknown MIDDLETOWN VALLEY BANK
Aug 23, 2021	Deed, Transfer · Stand-Alone First Mortgage TRI COUNTY COUNCIL FOR WESTERN MARY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2021 · Amount on Record
Deed Sale	Aug 23, 2021 · Amount on Record
Deed Document Number	0002343352
Deed Book / Page	2343 / 352
Record Updated	Jun 7, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	110 S 2ND ST, OAKLAND, MD 21550-1520
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024900433
Date	May 19, 2023
Book Page	2490/433

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	MIDDLETOWN, MD 21769

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Aug 23, 2021
Property Address	110 S 2ND ST, OAKLAND, MD 21550-1520
Document Number	0023430352
Book / Page	2343 / 352
Instrument Date	Jul 30, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
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	110 SANDSTONE CIR, OAKLAND, MD 21550

Mortgage

Document Number	0002343371
Date	Aug 23, 2021
Instrument	2343/371

Lender

Name	TRI COUNTY COUNCIL FOR WESTERN MARY
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0023430358
Date	Aug 23, 2021
Book Page	2343/358

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	MIDDLETOWN, MD 21769

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 1, 2023

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
2023	$2,455.00	$149,733	$169,200 Land $7,900 Building $161,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 and 4G LTE (outdoors only)

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