1640 Penn Point Rd, Oakland, MD 21550 Property Records

Garrett County property record for 1640 Penn Point Rd, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,576 sqft · built 1989
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Nov 2015)
Tax Bill	$5,046 (2023)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-052733`

Property Details

APN / Parcel Number

Primary APN	`18-052733`
Alternative APN	`052733`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,576 sqft Total Area
1st Floor Area	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	184 sqft
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	052733
Street Address	1640 PENN POINT RD
City	OAKLAND
State	MD
Zip	21550-7455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60984 SQ FT LOT 14 PENN OAKS SUB
Legal Subdivision	PENN OAKS SUB
Legal Lot Number	14
Jurisdiction	GARRETT MD
Township / Civil Division	10, DEER PARK
Census Block Group	1
Census Block	1038
Census Tract	502

Owner

Source: Garrett County records, as of September 20, 2023

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

Owner of Record	Individual Name on Record
Mailing Address	1021 EAGLE POINTE DR, CANONSBURG, PA 15317-7524
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2015 · Amount on Record
Deed Sale	Nov 17, 2015 · Amount on Record
Deed Document Number	151428
Deed Book / Page	1905 / 216
Record Updated	Jun 7, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	1640 PENN POINT RD, OAKLAND, MD 21550-7455
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 PENN POINT RD, OAKLAND, MD 21550-7455

Mortgage

Document Number	0026680339
Date	Feb 24, 2026
Book Page	2668/339

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	1640 PENN POINT RD, OAKLAND, MD 21550-7455
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023380385
Date	Aug 5, 2021
Book Page	2338/385

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 1, 2023

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
2023	$5,046.00	$429,467	$544,400 Land $119,900 Building $424,500

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
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2026 · rainfall accumulation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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