Garrett County property record for 18 E Center St, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,476 sqft · built 1912 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Company Name on File |
| Last Sale | $20,000 (Dec 2012) |
| Tax Bill | $932 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-006215 |
| Primary APN | 17-006215 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,476 sqft Total Area |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.17 acres) |
| Porch | Slab |
| Porch Area | 196 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 006215 |
|---|---|
| Street Address | 18 E CENTER ST |
| City | OAKLAND |
| State | MD |
| Zip | 21550-1207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 0.17 AC 18 E CENTER ST OAKLAND |
| Legal Subdivision | WILSONS ADD |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 14, WEST OAKLAND |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 601 |
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.
18 E Center St is owned by a company that bought it in December 2012.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 498, ACCIDENT, MD 21520-0498 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Sep 21, 2023 | Deed, Transfer · Stand-Alone First Mortgage COLONIAL FARM CREDIT ACA |
| Jan 20, 2017 | Deed of Trust, Mortgage · Commercial Mortgage STANDARD BANK PASB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2012 · Amount on File |
| Deed Sale | Dec 17, 2012 · Amount on File |
| Prior Sale | May 24, 2012 · Amount on File |
| Deed Book / Page | 1705 / 360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Sep 21, 2023 |
| Property Address | 18 E CENTER ST, OAKLAND, MD 21550-1207 |
| Document Number | 0025130470 |
| Book / Page | 2513 / 470 |
| Map Reference | DR I FILE 3 |
| Instrument Date | Sep 15, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2023 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $50.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2914 NORTH GRV, UPPER MARLBORO, MD 20774-2453 |
| Document Number | 0025130475 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 2513-0475 |
| Name | COLONIAL FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 18 E CENTER ST, OAKLAND, MD 21550-1207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0019860332 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 1986/0332 |
| Instrument | 1986-0332 |
| Name | STANDARD BANK PASB |
|---|---|
| Type | Bank |
| Address | CUMBERLAND, MD 21502 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 18 E Center St was $932.
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Municipality | Oakland Town |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $932.00 | $58,867 | $67,200 Land $15,800 Building $51,400 |
| 2023 | $788.00 | $48,100 | $54,700 Land $15,800 Building $38,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 E Center St 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 | 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 risk around 18 E Center 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 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 |
| 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.
Source: FCC Broadband Data Collection, based on 203 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 |
May also be available: T-Mobile, Verizon, Xfinity.
5G (outdoors only) and 4G LTE
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