115 N 2nd St, Oakland, MD 21550 Property Records

Garrett County property record for 115 N 2nd St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,337 sqft · built 1916
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Dec 2013)
Tax Bill	$3,120 (2026)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-007165`

Property Details

APN / Parcel Number

Primary APN	`17-007165`
Alternative APN	`007165`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,337 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Porch	Slab
Porch Area	519 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	007165
Street Address	115 N 2ND ST
City	OAKLAND
State	MD
Zip	21550-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.25 AC 115 N 2ND ST OAKLAND
Legal Subdivision	PENNINGTONS ADD
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3041
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 July 27, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	115 N 2ND ST, OAKLAND, MD 21550-1317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2013 · Amount on Record
Deed Sale	Dec 2, 2013 · Amount on Record
Prior Sale	Jun 29, 2011 · Amount on Record
Deed Book / Page	1781 / 54
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	115 N 2ND ST, OAKLAND, MD 21550-1317
Transaction Type	Mortgage
Record Updated	Jul 30, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023320108
Date	Jul 16, 2021
Book Page	2332/108

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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	$3,120.00 (+0.78%) Homeowner's exemption	$215,933 (+2.48%)	$226,400 (+7.45%) Land $23,300 Building $203,100
2025	$3,096.00 (+4.31%) Homeowner's exemption	$210,700 (+13.91%) Land $23,300 Building $187,400	$210,700 (-) Land $23,300 Building $187,400
2023	$2,968.00 Homeowner's exemption	$184,967	$210,700 Land $23,300 Building $187,400

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
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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 140 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

Nearby Properties on N 2nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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