1970 Mount Zion Rd, Swanton, MD 21561 Property Records

Garrett County property record for 1970 Mount Zion Rd, Swanton, MD 21561

Property Summary

Property Type	Mobile Home
Details	1 ba · 924 sqft · built 1965
Lot Size	166 acres (7,235,316 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,768 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Sep 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-003445`

Property Details

APN / Parcel Number

Primary APN	`01-003445`
Alternative APNs	`1003445` `003445`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	924 sqft Total Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Mobile Home
Exterior Material	Siding
Roof Material	Metal
Lot Area	7,235,316 sqft (166 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	003445
Street Address	1970 MOUNT ZION RD
City	SWANTON
State	MD
Zip	21561
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	166.10 AC S/S MT ZION RD MT ZION
Legal Subdivision	POTOMAC MANOR
Jurisdiction	GARRETT MD
Township / Civil Division	1, SWANTON
Census Block Group	2
Census Block	2008
Census Tract	400

Owner

1970 Mount Zion Rd, a mobile home, is owned by two individuals who acquired it in April 2015.

Source: Garrett County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1072 BERBERI RD, WESTMINSTER, MD 21157-6587
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed, Transfer · Conventional Mortgage CLEAR MOUNTAIN BANK
Sep 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2008
Deed Sale	May 19, 2008
Deed Document Number	200880645
Deed Book / Page	1370 / 163
Last Transfer Date	Apr 14, 2015
Transfer Doc	0018670221
Record Updated	Sep 20, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Nov 23, 2021
Property Address	1970 MOUNT ZION RD, SWANTON, MD 21561
Document Number	0023730488
Book / Page	2373 / 488
Instrument Date	Aug 9, 2021
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	GPN TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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 in Severalty
Address	10903 DEVIN PL, KENSINGTON, MD 20895-2303

Mortgage

Document Number	0002373493
Date	Nov 23, 2021
Instrument	2373/493

Lender

Name	CLEAR MOUNTAIN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.25%
Index	1-Year CMT

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 12, 2018
Property Address	1970 MOUNT ZION RD, SWANTON, MD 21561
Document Number	0020930107
Book / Page	002093 / 000107
Instrument Date	Aug 24, 2018
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5886 NEW WINDSOR PKWY MC GREGOR TX 766573731, MC GREGOR, TX 76657-3731

Tax Assessment & Valuation

The 2026 property tax bill for 1970 Mount Zion Rd was $2,768, up 7.8% from the year before.

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	$2,768.00 (+7.79%)	$243,567 (+9.9%)	$265,500 (-) Land $262,600 Building $2,900
2025	$2,568.00	$221,633	$265,500 Land $262,600 Building $2,900
2023	$2,327.00	$194,167	$199,700 Land $196,600 Building $3,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1970 Mount Zion Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1985.

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	2 in force
Nearby Flood Claims	5 (1985–1996)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 1996 · Severe Storms And Flooding Assoc With Tropical Storm Fran
Claims by Event	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 3 claims

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

Wildfire risk around 1970 Mount Zion Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 73% of Maryland
Wildfire Likelihood	0.04% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pogozone powered by Neubeam Fixed Wireless	300 / 40
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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