216 E Center St, Oakland, MD 21550 Property Records

Garrett County property record for 216 E Center St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,472 sqft · built 1932
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Aug 2024)
Tax Bill	$1,822 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-009583`

Property Details

APN / Parcel Number

Primary APN	`17-009583`
Alternative APN	`009583`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,472 sqft Total Area
Attic	Attic
Attic Area	476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Patio Area	20 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	009583
Street Address	216 E CENTER ST
City	OAKLAND
State	MD
Zip	21550-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	0.12 AC 216 E CENTER ST OAKLAND
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3053
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

216 E Center St is owned and occupied by an individual who bought it in August 2024.

Source: Garrett County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	216 E CENTER ST, OAKLAND, MD 21550-1302
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 18, 2019	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2024 · Amount on File
Deed Sale	Aug 8, 2024 · Amount on File
Prior Sale	Sep 18, 2019 · Amount on File
Deed Book / Page	2566 / 215
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Recording Date	Sep 23, 2026
Property Address	216 E CENTER ST, OAKLAND, MD 21550-1302
Document Number	2713000134
Book / Page	2713 / 134
Instrument Date	Sep 17, 2026
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 E CENTER ST, OAKLAND, MD 21550-1302

Mortgage

Document Number	2713000134,
Date	Sep 23, 2026
Book Page	2713/134

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Nov 1, 2054

Interest

Max Rate	-1%

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 18, 2019
Property Address	216 E CENTER ST, OAKLAND, MD 21550-1302
Document Number	0021560126
Book / Page	2156 / 0126
Instrument Date	Sep 13, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ATTICUS TITLE SERVICES LLC

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	216 E CENTER ST, OAKLAND, MD 21550-1302

Mortgage

Document Number	0021560130
Date	Sep 18, 2019
Book Page	2156/0130

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	OAKLAND, MD 21550

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 216 E Center St was $1,822 with a homeowner's exemption.

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	$1,822.00 Homeowner's exemption	$131,733	$170,800 Land $11,100 Building $159,700
2023	$1,627.00	$99,267	$112,200 Land $11,100 Building $101,100

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

Flood

FEMA maps place 216 E Center 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	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

Wildfire risk around 216 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.

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 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.

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