209 N 2nd St, Oakland, MD 21550 Property Records

Garrett County property record for 209 N 2nd St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,298 sqft · built 1910
Lot Size	0.255 acres (11,105 sqft)
Owner	2 Company Names on Record
Last Sale	$189,000 (Jul 2019)
Tax Bill	$3,736 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-008293`

Property Details

APN / Parcel Number

Primary APN	`17-008293`
Alternative APN	`008293`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,298 sqft Total Area
Attic	Attic
Attic Area	464 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,105 sqft (0.255 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	452 sqft
Deck Area	15 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	008293
Street Address	209 N 2ND ST
City	OAKLAND
State	MD
Zip	21550-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.25 AC 209 N 2ND ST OAKLAND
Legal Subdivision	DELAWDER AND COMPANY S ADDITION
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3005
Census Tract	601

Historic Designation

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.

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	209 N 2ND ST, OAKLAND, MD 21550-1319
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage CLEAR MOUNTAIN BANK
Jul 23, 2019	Grant Deed, Transfer · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Mar 9, 2011 · Amount on Record
Deed Book / Page	2145 / 139
Last Transfer Date	Sep 11, 2024
Transfer Doc	0025760301
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	209 N 2ND ST, OAKLAND, MD 21550-1319
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020690045
Date	Apr 25, 2018
Book Page	2069/0045

Lender

Name	CLEAR MOUNTAIN BANK
Type	Bank
Address	BRUCETON MILLS, WV 26525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Jul 23, 2019
Property Address	209 N 2ND ST, OAKLAND, MD 21550-1319
Document Number	0021450139
Book / Page	002145 / 000139
Instrument Date	Jul 12, 2019
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1112 CRELLIN UNDERWOOD RD OAKLAND MD 215502229, OAKLAND, MD 21550-2229

Mortgage

Document Number	21450144
Date	Jul 23, 2019
Book Page	002145/000144

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 22, 2034

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Municipality	Oakland Town
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,736.00 (+2.3%)	$235,900 (+3.6%)	$252,300 (+10.8%) Land $23,300 Building $229,000
2025	$3,652.00 (+11.72%)	$227,700 (+14.21%) Land $23,300 Building $204,400	$227,700 (-) Land $23,300 Building $204,400
2023	$3,269.00	$199,367	$227,700 Land $23,300 Building $204,400

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

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	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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