149 Mountaintop Rd, Mc Henry, MD 21541 Property Records

Garrett County property record for 149 Mountaintop Rd, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,478 sqft · built 2005
Lot Size	0.574 acres (25,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Jun 2020)
Tax Bill	$8,987 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-075164`

Property Details

APN / Parcel Number

Primary APN	`18-075164`
Alternative APN	`075164`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,478 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	25,000 sqft (0.574 acres)
Porch	Slab
Porch Area	308 sqft
Deck Area	28 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	075164
Street Address	149 MOUNTAINTOP RD
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25000 SQ FT LOT 79 DEEP CREEK HIGHLANDS WES
Legal Subdivision	DEEP CREEK
Legal Lot Number	79
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2035
Census Tract	502

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	2 Individual Names on Record
Mailing Address	617 47TH ST NE, WASHINGTON, DC 20019-4762
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 2, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 4, 2020	Grant Deed, Transfer · Conventional with PMI TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Apr 7, 2006 · Amount on Record
Deed Book / Page	2209 / 171
Transfer Doc	0010860134
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	149 MOUNTAINTOP RD, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 MOUNTAINTOP RD, MC HENRY, MD 21541

Mortgage

Document Number	0026590443
Date	Jan 6, 2026
Book Page	2659/443

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	149 MOUNTAIN TOP RD, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 MOUNTAINTOP RD, MC HENRY, MD 21541

Mortgage

Document Number	0024870027
Date	May 2, 2023
Book Page	2487/27

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Jun 4, 2020
Property Address	149 MOUNTAIN TOP RD, MC HENRY, MD 21541
Document Number	0022090171
Book / Page	002209 / 000171
Instrument Date	May 22, 2020
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	617 47TH ST NE WASHINGTON DC 200194762, WASHINGTON, DC 20019-4762

Mortgage

Document Number	22090177
Date	Jun 4, 2020
Book Page	002209/000177

Lender

Name	TRUIST BK
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

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	$8,987.00 (+9.83%)	$712,200 (+11.57%) Land $93,500 Building $618,700	$712,200 (-) Land $93,500 Building $618,700
2025	$8,183.00 (+24.66%)	$638,333 (+30.11%)	$712,200 (+45.17%) Land $93,500 Building $618,700
2023	$6,564.00	$490,600 Land $93,500 Building $397,100	$490,600 Land $93,500 Building $397,100

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	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	0.02% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 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

Cell Coverage

5G and 4G LTE (outdoors only)

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