Garrett County property record for 16 D St, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,768 sqft · built 1898 |
| Lot Size | 0.413 acres (18,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (May 2017) |
| Tax Bill | $2,697 (2026) |
| Deeds & Mortgages | Aug 2017 Mortgage Feb 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-012351 |
| Primary APN | 16-012351 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,768 sqft Total Area |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 18,000 sqft (0.413 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 288 sqft |
| Deck Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 012351 |
|---|---|
| Street Address | 16 D ST |
| City | OAKLAND |
| State | MD |
| Zip | 21550-3510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOTS 205, 206 & 211 16 D ST MT LAKE PARK |
| Legal Subdivision | MOUNTAIN LAKE PARK |
| Legal Lot Number | 205,206 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 16, MOUNTAIN LAKE PARK |
| Census Block Group | 4 |
| Census Block | 4036 |
| Census Tract | 700 |
16 D St is owned and occupied by an individual who bought it in May 2017.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16 D ST, OAKLAND, MD 21550-3510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 22, 2017 | Deed of Trust, Mortgage · ARM CHESSIE FCU |
| Feb 28, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST |
| Dec 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MORTGAGE SERVICES GROUP INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 24, 2017 · Amount on File |
| Deed Sale | May 24, 2017 · Amount on File |
| Prior Sale | Sep 5, 2012 · Amount on File |
| Deed Document Number | 20172008-0347 |
| Deed Book / Page | 2008 / 347 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 16 D ST, OAKLAND, MD 21550-3510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0020230276 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 2023/0276 |
| Instrument | 2023-0276 |
| Name | CHESSIE FCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21502 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 365 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 16 D ST, OAKLAND, MD 21550-3510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021190479 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | 2119/0479 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | OAKLAND, MD 21550 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 16 D ST, OAKLAND, MD 21550-3510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | DEEP CREEK TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0021080378 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 2108/0378 |
| Name | FIRST MORTGAGE SERVICES GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CUMBERLAND, MD 21502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2048 |
The 2026 property tax bill for 16 D St was $2,697.
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Municipality | Mountain Lake Park Town |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,697.00 | $181,933 | $186,000 Land $20,600 Building $165,400 |
| 2023 | $2,450.00 | $155,900 | $179,900 Land $20,600 Building $159,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 16 D St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 16 D St is low, with a 0.01% 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 | 0.01% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF MOUNTAIN LAKE PARK serves 3,000 people · EPA ID MD0110007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2021–2023) 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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Cable | 1,000 / 50 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
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