229 Rock Lodge Rd, Mc Henry, MD 21541 Property Records

Garrett County property record for 229 Rock Lodge Rd, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,280 sqft · built 2003
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$690,000 (Aug 2023)
Tax Bill	$3,918 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-064391`

Property Details

APN / Parcel Number

Primary APN	`18-064391`
Alternative APN	`064391`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,280 sqft Total Area
1st Floor Area	848 sqft
Basement Area	848 sqft
Finished Basement	848 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Conventional
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	288 sqft
Deck Area	364 sqft
Patio Area	364 sqft
Balcony	Balcony
Balcony Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	064391
Street Address	229 ROCK LODGE RD
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21780 SQ FT LOT 3 SECT 1 LAKEWOOD VILLAGE SUB
Legal Subdivision	LAKEWOOD VILLAGE SUB
Legal Lot Number	3
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2006
Census Tract	502

Owner

229 Rock Lodge Rd is owned by an individual who bought it in August 2023.

Source: Garrett County records, as of September 20, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5144 SCHALK RAOD I, MANCHESTER, MD 21102
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
Aug 23, 2023	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST
Oct 15, 2021	Deed, Transfer · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on File
Deed Sale	Aug 23, 2023 · Amount on File
Prior Sale	Oct 15, 2021 · Amount on File
Deed Document Number	0002507413
Deed Book / Page	2507 / 413
Record Updated	Jun 7, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Aug 23, 2023
Property Address	229 ROCK LODGE RD, MC HENRY, MD 21541
Document Number	0025070413
Book / Page	2507 / 413
Map Reference	MB 4 PG 38-A
Instrument Date	Aug 18, 2023
Transaction Type	Transfer
Record Updated	Sep 6, 2023
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	$3,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5144 SCHALK RAOD I, MANCHESTER, MD 21102

Mortgage

Document Number	0025070417
Date	Aug 23, 2023
Instrument	2507-0417

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year CMT
Margin	3
Max Rate	12.6%

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Oct 15, 2021
Property Address	229 ROCK LODGE RD, MC HENRY, MD 21541
Document Number	0023590298
Book / Page	2359 / 298
Map Reference	MB 4 PG 38-A
Instrument Date	Oct 3, 2021
Transaction Type	Transfer
Record Updated	May 2, 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	134 LONG VALLEY DRIVE EXT, CORAOPOLIS, PA 15108-4000

Mortgage

Document Number	0002359302
Date	Oct 15, 2021
Instrument	2359/302

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 1, 2023

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
2023	$3,918.00	$316,500 Land $48,100 Building $268,400	$316,500 Land $48,100 Building $268,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 229 Rock Lodge Rd 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	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 229 Rock Lodge Rd 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 94% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mountain Communications Fiber	1,000 / 1,000

May also be available: Pogozone powered by Neubeam.

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