1265 Bray School Rd, Oakland, MD 21550 Property Records

Garrett County property record for 1265 Bray School Rd, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 960 sqft · built 1983
Lot Size	0.46 acres (20,037 sqft)
Owner	2 Company Names on Record
Last Sale	$375,000 (Aug 2024)
Tax Bill	$3,502 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-065207`

Property Details

APN / Parcel Number

Primary APN	`18-065207`
Alternative APN	`065207`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Total Area
Basement Area	960 sqft
Finished Basement	960 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,037 sqft (0.46 acres)
Porch	Slab
Porch Area	320 sqft
Deck Area	280 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	065207
Street Address	1265 BRAY SCHOOL RD
City	OAKLAND
State	MD
Zip	21550-7942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20037 SQ FT LOT 11 MILLHOUSE SUB
Legal Subdivision	MILLHOUSE SUB
Legal Lot Number	11
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	2
Census Block	2048
Census Tract	502

Owner

Source: Garrett County records, as of August 14, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	403 SKIPPERS POINT RD, OAKLAND, MD 21550-7727
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed, Transfer · Conventional Mortgage CLEAR MOUNTAIN BANK
May 15, 2019	Grant Deed, Transfer · FHA Mortgage STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2024 · Amount on Record
Deed Sale	Aug 5, 2024 · Amount on Record
Prior Sale	Jul 21, 2023 · Amount on Record
Deed Book / Page	2565 / 388
Transfer Doc	0000000701
Record Updated	Sep 20, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jul 21, 2023
Property Address	1265 BRAY SCHOOL RD, OAKLAND, MD 21550-7942
Document Number	0025020170
Book / Page	2502 / 170
Instrument Date	Jul 17, 2023
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 26TH PL S, ARLINGTON, VA 22202-2411

Mortgage

Document Number	0025020175
Date	Jul 21, 2023
Instrument	2502-0175

Lender

Name	CLEAR MOUNTAIN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	12.8%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	May 15, 2019
Property Address	1265 BRAY SCHOOL RD, OAKLAND, MD 21550-7942
Document Number	0021310483
Book / Page	002131 / 000483
Instrument Date	May 3, 2019
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	SECU TITLE SERVICES LLC, SECU TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1265 BRAY SCHOOL RD OAKLAND MD 215507942, OAKLAND, MD 21550-7942

Mortgage

Document Number	21310489
Date	May 15, 2019
Book Page	002131/000489

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,502.00 (+42.18%)	$312,300 (+49.88%)	$324,300 (+5.88%) Land $101,200 Building $223,100
2023	$2,463.00 (+32.35%)	$208,367 (+30.72%)	$306,300 (+92.16%) Land $101,200 Building $205,100
2022	$1,861.00	$159,400 Land $39,000 Building $120,400	$159,400 Land $39,000 Building $120,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Pogozone powered by Neubeam Fixed Wireless	300 / 40

May also be available: Glo Fiber, Mountain Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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