157 E Omar St, Oakland, MD 21550 Property Records

Garrett County property record for 157 E Omar St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,582 sqft · built 1991
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Nov 2022)
Tax Bill	$3,935 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-006711`

Property Details

APN / Parcel Number

Primary APN	`17-006711`
Alternative APN	`006711`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,582 sqft Total Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Mixed
Garage Area	399 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	156 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	006711
Street Address	157 E OMAR ST
City	OAKLAND
State	MD
Zip	21550-1115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.29 AC W/S N SECOND ST OAKLAND
Legal Subdivision	NAYLOR & DIXON ADD OAKLAND
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3009
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 June 24, 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	157 E OMAR ST, OAKLAND, MD 21550-1115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST OH COMMUNITY FEDERAL CREDIT UNION
Nov 23, 2022	Deed, Transfer · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Prior Sale	May 3, 1990 · Amount on Record
Deed Book / Page	2460 / 112
Prior Transfer Date	Jul 22, 2014
Prior Transfer Doc	0018180097
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Recording Date	Jun 15, 2026
Property Address	157 E OMAR ST, OAKLAND, MD 21550-1115
Document Number	2691000146
Book / Page	2691 / 146
Instrument Date	Jun 5, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 E OMAR ST, OAKLAND, MD 21550-1115

Mortgage

Document Number	2691000146,
Date	Jun 15, 2026
Book Page	2691/146

Lender

Name	FIRST OH COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 11, 2036

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Nov 23, 2022
Property Address	157 E OMAR ST, OAKLAND, MD 21550-1115
Document Number	0024600112
Book / Page	2460 / 112
Map Reference	LB EZT1 FO 38
Instrument Date	Nov 21, 2022
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	NOT AVAILABLE, LAKE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	157 EAST OMAR ST, SPRING GAP, MD 21560

Mortgage

Document Number	0024600118
Date	Nov 23, 2022
Instrument	2460-0118

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 23, 2047

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of August 12, 2025

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
2025	$3,935.00 (+4.79%) Homeowner's exemption	$292,200 (+27.6%) Land $23,500 Building $268,700	$292,200 (-) Land $23,500 Building $268,700
2023	$3,755.00 Homeowner's exemption	$229,000	$292,200 Land $23,500 Building $268,700

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
Adjoins Burnable Land	Yes

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.

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