Garrett County property record for 2 E Center St, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,528 sqft · built 1910 |
| Lot Size | 0.181 acres (7,875 sqft) |
| Owner | Individual Name on File |
| Last Sale | $114,000 (Mar 2025) |
| Tax Bill | $1,516 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage Oct 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-009907 |
| Primary APN | 17-009907 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,528 sqft Total Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,875 sqft (0.181 acres) |
| Porch | Slab |
| Porch Area | 323 sqft |
| Patio Area | 102 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 009907 |
|---|---|
| Street Address | 2 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 | 0.18 AC 2 E CENTER ST OAKLAND |
| Legal Subdivision | WILSONS FIRST ADDITION |
| 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.
2 E Center St is owned by an individual who bought it in March 2025.
Source: Garrett County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 577 PENN POINT RD, OAKLAND, MD 21550-7067 |
| 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 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VISIO FINANCIAL SERVICES INC |
| Oct 3, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2025 · Amount on File |
| Deed Sale | Mar 6, 2025 · Amount on File |
| Prior Sale | Oct 3, 2018 · Amount on File |
| Deed Book / Page | 2602 / 300 |
| Prior Transfer Date | Jun 7, 2007 |
| Prior Transfer Doc | 0013120061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 2 E CENTER ST, OAKLAND, MD 21550-1207 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | LIBERTY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0021500328 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 2150/0328 |
| Name | VISIO FINANCIAL SERVICES INC |
|---|---|
| Type | Lending Institution |
| Address | AUSTIN, TX 78758 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Oct 3, 2018 |
| Property Address | 2 E CENTER ST, OAKLAND, MD 21550-1207 |
| Document Number | 0020970209 |
| Book / Page | 002097 / 000209 |
| Instrument Date | Sep 23, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $55.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 115 MANDA DR MIDDLETOWN MD 217697853, MIDDLETOWN, MD 21769-7853 |
The 2026 property tax bill for 2 E Center St was $1,516, up 5.8% from the year before.
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 | $1,516.00 (+5.79%) | $95,767 (+7.12%) | $108,500 (+21.36%) Land $16,800 Building $91,700 |
| 2025 | $1,433.00 | $89,400 Land $16,800 Building $72,600 | $89,400 Land $16,800 Building $72,600 |
| 2023 | $1,293.00 | $78,867 | $89,400 Land $16,800 Building $72,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 E Center 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 | 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 2 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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