Garrett County property record for 129 Fern Loop Dr, Mc Henry, MD 21541
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,030 sqft · built 2021 |
| Lot Size | 1.04 acres (45,397 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,054,000 (Oct 2021) |
| Tax Bill | $13,731 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-081865 |
| Primary APN | 18-081865 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,030 sqft Total Area |
| Basement Area | 1,300 sqft |
| Finished Basement | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Logs |
| Roof Material | Metal |
| Lot Area | 45,397 sqft (1.04 acres) |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 388 sqft |
| Patio Area | 609 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 081865 |
|---|---|
| Street Address | 129 FERN LOOP DR |
| City | MC HENRY |
| State | MD |
| Zip | 21541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 45397 SQ FT LOT 34 SANDY SHORES HEIGHTS |
| Legal Subdivision | SANDY SHORES HEIGHTS |
| Legal Lot Number | 34 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 6, SANG RUN |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 502 |
129 Fern Loop Dr is held in a trust since May 2024.
Source: Garrett County records, as of September 9, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 8501 NICOLE CT, ELLICOTT CITY, MD 21043-6073 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| May 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CLEAR MOUNTAIN BANK |
| Oct 13, 2021 | Deed, Transfer · Conventional Mortgage SANDY SPRING BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2021 · Amount on File |
| Deed Sale | Oct 13, 2021 · Amount on File |
| Prior Sale | Jun 23, 2014 · Amount on File |
| Deed Book / Page | 2358 / 434 |
| Last Transfer Date | May 15, 2024 |
| Transfer Doc | 0025570232 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 129 FERN LOOP DR, MC HENRY, MD 21541-1659 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0022030110 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 2203/110 |
| Name | CLEAR MOUNTAIN BANK |
|---|---|
| Type | Bank |
| Address | BRUCETON MILLS, WV 26525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.37% |
| Margin | 3 |
| Max Rate | 10.3% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Oct 13, 2021 |
| Property Address | 129 FERN LOOP DR, MC HENRY, MD 21541-1659 |
| Document Number | 0023580434 |
| Book / Page | 2358 / 434 |
| Map Reference | CASE 3 PG 218 |
| Instrument Date | Oct 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8501 NICOLE CT, ELLICOTT CITY, MD 21043-6073 |
| Document Number | 0002358437 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2358/437 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 129 Fern Loop Dr was $13,731.
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 | $13,731.00 | $1,071,100 Land $109,300 Building $961,800 | $1,071,100 Land $109,300 Building $961,800 |
| 2023 | $10,763.00 | $804,433 | $1,071,100 Land $109,300 Building $961,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 129 Fern Loop Dr 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 129 Fern Loop Dr is low, with a 0.03% 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 | 0.03% 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 70 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.
5G and 4G LTE (outdoors only)
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