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

Garrett County property record for 228 N 2nd St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,190 sqft · built 1890
Lot Size	0.68 acres (29,620 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,000 (Dec 2020)
Tax Bill	$8,671 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-008560`

Property Details

APN / Parcel Number

Primary APN	`17-008560`
Alternative APN	`008560`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,190 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	29,620 sqft (0.68 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	626 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	008560
Street Address	228 N 2ND ST
City	OAKLAND
State	MD
Zip	21550-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.68 AC 228 N 2ND ST OAKLAND
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3009
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 Individual Names on Record
Mailing Address	228 N 2ND ST, OAKLAND, MD 21550-1320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC
Oct 9, 2018	Deed, Transfer · ARM FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Oct 9, 2018 · Amount on Record
Deed Book / Page	2268 / 307
Transfer Doc	0011640120
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	228 N 2ND ST, OAKLAND, MD 21550-1320
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022330047
Date	Sep 8, 2020
Book Page	2233/47

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution
Address	MIDDLETOWN, MD 21769

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Oct 9, 2018
Property Address	228 N 2ND ST, OAKLAND, MD 21550-1320
Document Number	0020980178
Book / Page	2098 / 0178
Map Reference	MB EZT1 FO38
Instrument Date	Oct 5, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTICUS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	228 N 2ND ST, OAKLAND, MD 21550-1320

Mortgage

Document Number	0002098184
Date	Oct 9, 2018
Instrument	2098/184

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.25%
Index	1-Year CMT
Margin	3
Max Rate	10.2%

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	$8,671.00 (-0.2%)	$547,433 (+1.06%)	$558,900 (+3.18%) Land $26,200 Building $532,700
2025	$8,688.00 (+12.58%)	$541,700 (+15.12%) Land $26,200 Building $515,500	$541,700 (-) Land $26,200 Building $515,500
2023	$7,717.00	$470,567	$541,700 Land $26,200 Building $515,500

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	0.02% 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 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.

Nearby Properties on N 2nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures