113 S 7th St, Oakland, MD 21550 Property Records

Garrett County property record for 113 S 7th St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,380 sqft · built 1946
Lot Size	0.223 acres (9,735 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Feb 2018)
Tax Bill	$3,009 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-003380`

Property Details

APN / Parcel Number

Primary APN	`17-003380`
Alternative APN	`003380`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,380 sqft Total Area
Basement Area	1 sqft
Finished Basement	1 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	9,735 sqft (0.223 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	416 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	003380
Street Address	113 S 7TH ST
City	OAKLAND
State	MD
Zip	21550-1639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.22 AC 113 S 7TH ST OAKLAND
Legal Subdivision	BRANTS ADD
Jurisdiction	GARRETT MD
Township / Civil Division	7, EAST OAKLAND
Census Block Group	2
Census Block	2040
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

113 S 7th St is owned and occupied by an individual who bought it in February 2018.

Source: Garrett County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	113 S 7TH ST, OAKLAND, MD 21550-1639
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUST BANK
Feb 21, 2018	Grant Deed, Transfer · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2018 · Amount on File
Deed Sale	Feb 22, 2018 · Amount on File
Prior Sale	Mar 17, 2016 · Amount on File
Deed Book / Page	2059 / 140
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Recording Date	Sep 18, 2026
Property Address	113 S 7TH ST, OAKLAND, MD 21550-1639
Document Number	2712000230
Book / Page	2712 / 230
Instrument Date	Sep 11, 2026
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 S 7TH ST, OAKLAND, MD 21550-1639

Mortgage

Document Number	2712000230,
Date	Sep 18, 2026
Book Page	2712/230

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Feb 21, 2018
Property Address	113 S 7TH ST, OAKLAND, MD 21550-1639
Document Number	0020590140
Book / Page	002059 / 000140
Instrument Date	Feb 16, 2018
Transaction Type	Transfer
Record Updated	Mar 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 S 7TH ST OAKLAND MD 215501639, OAKLAND, MD 21550-1639

Mortgage

Document Number	20590143
Date	Feb 21, 2018
Book Page	002059/000143

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 113 S 7th St was $3,009.

Source: Garrett County assessment roll, as of July 27, 2026

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
2026	$3,009.00	$190,000	$199,800 Land $20,800 Building $179,000
2023	$2,657.00	$162,033	$185,100 Land $20,800 Building $164,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 113 S 7th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 1, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 113 S 7th St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40

May also be available: Mountain Communications, T-Mobile, Verizon, Xfinity.

Nearby Properties on S 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures