215 H St, Oakland, MD 21550 Property Records

Garrett County property record for 215 H St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,388 sqft · built 1900
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Aug 2026)
Tax Bill	$3,446 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-013609`

Property Details

APN / Parcel Number

Primary APN	`16-013609`
Alternative APN	`013609`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,388 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Porch	Slab
Porch Area	448 sqft
Deck Area	456 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	013609
Street Address	215 H ST
City	OAKLAND
State	MD
Zip	21550-3616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	6000 SQ FT LOT 4035 MT LAKE PARK
Legal Subdivision	MOUNTAIN LAKE PARK
Legal Lot Number	4035
Jurisdiction	GARRETT MD
Township / Civil Division	16, MOUNTAIN LAKE PARK
Census Block Group	4
Census Block	4062
Census Tract	700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mountain Lake Park Historic District listed 1983 · 145 contributing resources · NRIS 83002948

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

215 H St is owned and occupied by two individuals who bought it in August 2026.

Source: Garrett County records, as of September 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	215 H ST, OAKLAND, MD 21550-3616
Occupancy	Owner Occupied
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
Aug 25, 2026	Deed, Transfer · Conventional Mortgage TRUST BANK
May 21, 2021	Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on File
Deed Sale	Aug 25, 2026 · Amount on File
Prior Sale	May 21, 2021 · Amount on File
Deed Book / Page	2706 / 325
Prior Transfer Date	Jul 16, 2015
Prior Transfer Doc	0018870126
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Aug 25, 2026
Property Address	215 H ST, OAKLAND, MD 21550-3616
Document Number	2706000325
Book / Page	2706 / 325
Instrument Date	Aug 20, 2026
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	LAKE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	215 H ST, OAKLAND, MD 21550-3616

Mortgage

Document Number	2706000332,
Date	Aug 25, 2026
Book Page	2706/332

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	May 21, 2021
Property Address	215 H ST, MT LAKE PARK, MD 21550-3616
Document Number	0023150116
Book / Page	2315 / 116
Map Reference	LB 282 PG 487
Instrument Date	May 14, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP

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	215 H ST, OAKLAND, MD 21550-3616

Mortgage

Document Number	0002315120
Date	May 21, 2021
Instrument	2315/120

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 215 H St was $3,446, down 0.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,446.00 (-0.69%)	$232,433 (+0.97%)	$236,900 (+2.91%) Land $12,000 Building $224,900
2025	$3,470.00	$230,200 Land $12,000 Building $218,200	$230,200 Land $12,000 Building $218,200
2023	$3,429.00	$218,200	$230,200 Land $12,000 Building $218,200

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

Flood

FEMA maps place 215 H 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	1 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

Wildfire risk around 215 H 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	Direct burnable vegetation

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 MOUNTAIN LAKE PARK serves 3,000 people · EPA ID MD0110007
Water Source	Groundwater
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	None 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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