Garrett County property record for 115 E 2nd Ave, Oakland, MD 21550 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Architecture Style | Conventional |
| Year Built | Built 2012 |
| Square Footage | 1,806 sqft Total Area |
| Lot Size | 14,400 sqft (0.331 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $77,000 (2017) |
| Tax Bill | $2,384.00 (2025) |
Source: Garrett County records · APN 16-002496
Assessment roll updated August 12, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 E 2ND AVE, OAKLAND, MD 21550-2723 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Aug 23, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Nov 22, 2021 | Deed of Trust, Mortgage · Line of Credit CLEAR MOUNTAIN BANK |
| Jun 04, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Feb 13, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Feb 24, 2017 | Special Warranty Deed, Transfer · Conventional Mortgage CLEAR MOUNTAIN BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 24, 2017 · Amount on Record |
| Deed Sale | Feb 24, 2017 · Amount on Record |
| Prior Sale | Dec 21, 2016 · Amount on Record |
| Deed Doc Number | 20171992-0122 |
| Deed Book / Page | 1992 / 122 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 115 E 2ND AVE, MT LAKE PARK, MD 21550-2723 |
| Transaction Type | Mortgage |
| Record Updated | May 06, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 115 E 2ND AVE, MOUNTAIN LAKE PARK, MD 21550-2723 |
| Document Number | 0026750428 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 2675/428 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jul 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 115 E 2ND AVE, MT LAKE PARK, MD 21550-2723 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0023430248 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 2343/248 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Aug 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 115 E 2ND AVE, MT LAKE PARK, MD 21550-2723 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 115 E 2ND AVE, MOUNTAIN LAKE PARK, MD 21550-2723 |
| Document Number | 0023730161 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 2373/161 |
| Name | CLEAR MOUNTAIN BANK |
|---|---|
| Type | Bank |
| Address | BRUCETON MILLS, WV 26525 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Oct 21, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 115 E 2ND AVE, MT LAKE PARK, MD 21550-2723 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0021350187 |
|---|---|
| Date | Jun 04, 2019 |
| Book Page | 2135/0187 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 115 E 2ND AVE, MT LAKE PARK, MD 21550-2723 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0021870265 |
|---|---|
| Date | Feb 13, 2020 |
| Book Page | 2187/0265 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jul 01, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Feb 24, 2017 |
| Property Address | 115 E 2ND AVE, MT LAKE PARK, MD 21550-2723 |
| Document Number | 0019920122 |
| Book / Page | 1992 / 0122 |
| Map Reference | MB1 FILE2 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 1992-0122 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | DEEP CREEK TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $652.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3415 VISION DR, 3415, COLUMBUS, OH 43219-6009 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 70 MEWS CRESCENT DR, OAKLAND, MD 21550-8128 |
| Document Number | 0019920130 |
|---|---|
| Date | Feb 24, 2017 |
| Instrument | 1992-0130 |
| Name | CLEAR MOUNTAIN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
Source: Garrett County records · Assessment roll updated August 12, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Municipality | Loch Lynn Heights Town |
| Unified School District | Garrett County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,384.00 (+15.73%) | $156,700 (+18.5%) Land $14,200 Building $142,500 | $156,700 (-) Land $14,200 Building $142,500 |
| 2023 | $2,060.00 | $132,233 | $156,700 Land $14,200 Building $142,500 |
Source: FEMA National Flood Hazard Layer, Garrett County (24023C), updated February 1, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 16-002496 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,806 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Conventional Style |
| Construction Type | Frame Construction |
| Roof Material | Metal Roof |
| Lot Area | 14,400 sqft (0.331 acres) |
| Deck Area | 24 sqft Deck |
| Porch Area | 18 sqft Porch |
| Heating Fuel | Electric Heating Fuel |
|---|
| Account Number | 002496 |
|---|---|
| Street Address | 115 E 2ND AVE |
| City | OAKLAND |
| State | MD |
| Zip | 21550-2723 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 0.33 AC LOTS 10-13 S/S E 2ND AVE BLK 8 LOCH LYNN |
| Legal Subdivision | MOUNTAIN HOME CO |
| Legal Block | 8 |
| Legal Lot Number | 10-13 |
| Jurisdiction | GARRETT MD |
| Minor Civil Division | 16, MOUNTAIN LAKE PARK |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 700 |
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