Garrett County property record for 113 Lower Camp Rd, Mc Henry, MD 21541
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 1,764 sqft · built 2023 |
| Lot Size | 0.354 acres (15,441 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $52,500 (Dec 2020) |
| Tax Bill | $11,005 (2025) |
| Deeds & Mortgages | Jun 2021 Construction Loan Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-084341 |
| Primary APN | 18-084341 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,764 sqft Total Area |
| Basement Area | 1,400 sqft |
| Finished Basement | 1,400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,441 sqft (0.354 acres) |
| Porch | Slab |
|---|---|
| Deck Area | 432 sqft |
| Patio Area | 432 sqft |
| Balcony Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 084341 |
|---|---|
| Street Address | 113 LOWER CAMP RD |
| City | MC HENRY |
| State | MD |
| Zip | 21541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15441 SQ FT LOT 76 NORTH CAMP |
| Legal Subdivision | NORTH CAMP |
| Legal Lot Number | 76 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 6, SANG RUN |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 502 |
113 Lower Camp Rd is owned by two individuals who bought it in December 2020.
Source: Garrett County records, as of August 12, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 WHISPERING HEIGHTS LN, VENETIA, PA 15367-3008 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2021 | Deed of Trust, Mortgage · Construction Mortgage MILLENNIUM FINANCIAL GROUP INC |
| Dec 18, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2020 · Amount on File |
| Deed Sale | Dec 18, 2020 · Amount on File |
| Prior Sale | Apr 8, 2014 · Amount on File |
| Deed Book / Page | 2267 / 382 |
| Prior Transfer Date | Dec 21, 2007 |
| Prior Transfer Doc | 0013480085 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 113 LOWER CAMP RD, MC HENRY, MD 21541 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | DEEP CREEK TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0023200499 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 2320/499 |
| Name | MILLENNIUM FINANCIAL GROUP INC |
|---|---|
| Type | Lending Institution |
| Address | MIDDLETOWN, MD 21769 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.12% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.12% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Dec 18, 2020 |
| Property Address | 113 LOWER CAMP RD, MC HENRY, MD 21541 |
| Document Number | 0022670382 |
| Book / Page | 002267 / 000382 |
| Instrument Date | Dec 8, 2020 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $53.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 WHISPERING HEIGHTS LN VENETIA PA 153673008, VENETIA, PA 15367-3008 |
The 2025 property tax bill for 113 Lower Camp Rd was $11,005.
Source: Garrett County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,005.00 | $858,433 | $986,800 Land $84,000 Building $902,800 |
| 2023 | $854.00 | $63,900 Land $63,900 | $63,900 Land $63,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 113 Lower Camp Rd in Zone X, an area of minimal flood risk.
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 | 6 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 risk around 113 Lower Camp Rd is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 6 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mountain Communications Fiber | 1,000 / 1,000 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
May also be available: Xfinity.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures