1995 Bethlehem Rd, Oakland, MD 21550 Property Records

Garrett County property record for 1995 Bethlehem Rd, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1 ba · 512 sqft · built 2001
Lot Size	7.33 acres (319,295 sqft)
Owner	Individual Name on File
Last Sale	$118,800 (Jun 2026)
Tax Bill	$825 (2026)
Deeds & Mortgages	Jun 2026 Sale Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-022519`

Property Details

APN / Parcel Number

Primary APN	`16-022519`
Alternative APN	`022519`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	512 sqft Total Area
Attic	Attic
Attic Area	192 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	319,295 sqft (7.33 acres)
Shed	1 Shed
Shed Area	364 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	022519
Street Address	1995 BETHLEHEM RD
City	OAKLAND
State	MD
Zip	21550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7.33 AC LOT 2 POTOMAC FOREST BACKBONE MTN
Legal Subdivision	POTOMAC FOREST
Legal Lot Number	2
Jurisdiction	GARRETT MD
Township / Civil Division	16, MOUNTAIN LAKE PARK
Census Block Group	2
Census Block	2004
Census Tract	700

Owner

1995 Bethlehem Rd is owned by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1370 MAIN ST, HARRISBURG, PA 17113-1010
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 18, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 28, 2022	Deed, Transfer · ARM FIRST UNITED BANK & TRUST CO
Feb 6, 2017	Tax Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Apr 28, 2022 · Amount on File
Deed Book / Page	2692 / 75
Prior Transfer Date	Jun 13, 2026
Prior Transfer Doc	2692000075
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jun 18, 2026
Property Address	1995 BETHLEHEM RD, OAKLAND, MD 21550
Document Number	2692000075
Book / Page	2692 / 75
Instrument Date	Jun 13, 2026
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$119,988.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1370 MAIN ST, HARRISBURG, PA 17113-1010

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 28, 2022
Property Address	1995 BETHLEHEM RD, OAKLAND, MD 21550
Document Number	0024120125
Book / Page	2412 / 125
Instrument Date	Apr 15, 2022
Transaction Type	Transfer
Record Updated	Aug 29, 2022

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 by the Entirety
Address	7431 INWOOD AVE, CATONSVILLE, MD 21228-1027

Mortgage

Document Number	0024120130
Date	Apr 28, 2022
Instrument	2412-0130

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

February 2017: Tax Deed, Transfer

Document Type	Tax Deed
Jurisdiction	GARRETT MD
Recording Date	Feb 6, 2017
Property Address	1995 BETHLEHEM RD, OAKLAND, MD 21550
Document Number	0019890161
Book / Page	001989 / 000161
Instrument Date	Jan 26, 2017
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$45.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 30224 BETHESDA MD 208240224, BETHESDA, MD 20824-0224

Tax Assessment & Valuation

The 2026 property tax bill for 1995 Bethlehem Rd was $825, down 0.5% 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	$825.00 (-0.48%)	$68,867 (+1.28%)	$70,600 (+3.82%) Land $43,900 Building $26,700
2025	$829.00	$68,000 Land $43,900 Building $24,100	$68,000 Land $43,900 Building $24,100
2023	$811.00	$64,333	$68,000 Land $43,900 Building $24,100

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

Flood

FEMA maps place 1995 Bethlehem Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	4 (1979–1994)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 1994 · 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

Wildfire risk around 1995 Bethlehem Rd is low, with a 0.03% 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	0.03% 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 12 locations within half a mile, as of December 31, 2025

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

May also be available: Glo Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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