Garrett County property record for 23 Arrowhead Ln, Oakland, MD 21550
| Property Type | Condominium |
|---|---|
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Sep 2023) |
| Tax Bill | $6,294 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-042738 |
| Primary APN | 18-042738 |
|---|---|
| Alternative APN |
|
| Architectural Style | Condo/Apartment |
|---|---|
| Lot Area | 43,560 sqft (1 acres) |
| Sewer | Connected |
|---|
| Account Number | 042738 |
|---|---|
| Street Address | 23 ARROWHEAD LN |
| City | OAKLAND |
| State | MD |
| Zip | 21550-7125 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 23 ARROWHEAD CONDOMINIUMS DEEP CREEK LAKE |
| Legal Subdivision | ARROWHEAD CONDOMINIUMS DEEP CREEK |
| Legal Lot Number | 23 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 14, WEST OAKLAND |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 502 |
23 Arrowhead Ln, a condominium, is owned and occupied by two individuals who bought it in September 2023.
Source: Garrett County records, as of July 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 ARROWHEAD LN, OAKLAND, MD 21550-7125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 26, 2022 | Deed, Transfer · Stand-Alone First Mortgage FIRST UNITED BANK & ITRUST |
| Mar 13, 2020 | Deed, Transfer · ARM CHESSIE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2023 · Amount on File |
| Deed Sale | Sep 20, 2023 · Amount on File |
| Prior Sale | Apr 26, 2022 · Amount on File |
| Deed Book / Page | 2513 / 188 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Apr 26, 2022 |
| Property Address | 23 ARROWHEAD LN, OAKLAND, MD 21550-7125 |
| Document Number | 0024110353 |
| Book / Page | 2411 / 353 |
| Map Reference | MB 2 PG 185 |
| Instrument Date | Apr 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0024110356 |
|---|---|
| Date | Apr 26, 2022 |
| Instrument | 2411-0356 |
| Name | FIRST UNITED BANK & ITRUST |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | May 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 5.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Mar 13, 2020 |
| Property Address | 23 ARROWHEAD LN, OAKLAND, MD 21550-7125 |
| Document Number | 0021930406 |
| Book / Page | 2193 / 406 |
| Map Reference | MB 2 PG 185 |
| Instrument Date | Mar 9, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12109 KEMP DR NW, FROSTBURG, MD 21532-3126 |
| Document Number | 0002193410 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 2193/410 |
| Name | CHESSIE FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.37% |
The 2026 property tax bill for 23 Arrowhead Ln was $6,294 with a homeowner's exemption.
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,294.00 Homeowner's exemption | $625,000 Land $160,000 Building $465,000 | $625,000 Land $160,000 Building $465,000 |
| 2023 | $6,043.00 | $451,667 | $695,000 Land $160,000 Building $535,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Arrowhead Ln 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 | 3 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2026 · rainfall accumulation |
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 risk around 23 Arrowhead Ln 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 93% of the US · lower than 85% 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.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Mountain Communications Fiber | 1,000 / 1,000 |
| Glo Fiber Cable | 1,000 / 50 |
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