2285 Marsh Hill Rd, Mc Henry, MD 21541 Property Records

Garrett County property record for 2285 Marsh Hill Rd, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,196 sqft · built 1993
Lot Size	1.34 acres (58,572 sqft)
Owner	Individual Name on File
Last Sale	$725,000 (Aug 2020)
Tax Bill	$15,493 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-047985`

Property Details

APN / Parcel Number

Primary APN	`18-047985`
Alternative APN	`047985`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,196 sqft Total Area
Attic	Attic
Attic Area	150 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Metal
Lot Area	58,572 sqft (1.34 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Deck Area	562 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	047985
Street Address	2285 MARSH HILL RD
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	58572 SQ FT W/151.71 LOT 11 PHASE 4 WATERSIDE AT WISP
Legal Subdivision	WATERSIDE AT WISP
Legal Phase	4
Legal Lot Number	11
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2035
Census Tract	502

Owner

2285 Marsh Hill Rd is owned by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	83 BLACKBORNE DR, ELKTON, MD 21921-1752
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
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST
Mar 9, 2026	Deed, Transfer
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST
Aug 11, 2020	Deed, Transfer · ARM FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2020 · Amount on File
Deed Sale	Aug 11, 2020 · Amount on File
Prior Sale	Sep 21, 2001 · Amount on File
Deed Book / Page	2225 / 143
Prior Transfer Date	Feb 11, 2011
Prior Transfer Doc	0015700370
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	2285 MARSH HILL RD, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 BLACKBORNE DR, ELKTON, MD 21921-1752

Mortgage

Document Number	0026740350
Date	Mar 25, 2026
Book Page	2674/350

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 9, 2026
Property Address	2285 MARSH HILL RD, MC HENRY, MD 21541
Document Number	0026710263
Book / Page	2671 / 263
Map Reference	MB 3 PG 35A-35C
Instrument Date	Feb 22, 2026
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 BLACKBORNE DR, ELKTON, MD 21921-1752

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	2285 MARSH HILL RD, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 BLACKBORNE DR, ELKTON, MD 21921-1752

Mortgage

Document Number	0024390039
Date	Aug 25, 2022
Book Page	2439/39

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	MC HENRY, MD 21541

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Aug 11, 2020
Property Address	2285 MARSH HILL RD, MC HENRY, MD 21541
Document Number	0022250143
Book / Page	2225 / 143
Map Reference	MB 3 PG 6A,6B
Instrument Date	Jul 13, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022

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
Address	83 BLACKGUM RD, ELKTON, MD 21921

Mortgage

Document Number	0022250148
Date	Aug 11, 2020
Book Page	2225/148

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MC HENRY, MD 21541

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2035
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6%
Index	1-Year CMT
Margin	3
Max Rate	10%

Tax Assessment & Valuation

The 2026 property tax bill for 2285 Marsh Hill Rd was $15,493, up 12.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,493.00 (+12.9%)	$1,227,700 (+14.69%) Land $491,600 Building $736,100	$1,227,700 (-) Land $491,600 Building $736,100
2025	$13,723.00	$1,070,467	$1,227,700 Land $491,600 Building $736,100
2023	$10,115.00	$756,000 Land $379,700 Building $376,300	$756,000 Land $379,700 Building $376,300

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

Flood

FEMA maps place 2285 Marsh Hill Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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 2285 Marsh Hill Rd is low, with a 0.02% 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	0.02% 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	DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 ppb (2025) 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000

May also be available: Pogozone powered by Neubeam, Xfinity.

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