23 Owens Ave, Bloomington, MD 21523 Property Records

Garrett County property record for 23 Owens Ave, Bloomington, MD 21523

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,340 sqft · built 1958
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$64,900 (Mar 2022)
Tax Bill	$796 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2021 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-001273`

Property Details

APN / Parcel Number

Primary APN	`04-001273`
Alternative APN	`001273`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,340 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	001273
Street Address	23 OWENS AVE
City	BLOOMINGTON
State	MD
Zip	21523-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18295 SQ FT LOTS 373 & 376 BLOOMINGTON
Legal Subdivision	ESTATE OF CHARLOTTE P BERNARD
Legal Lot Number	373,376
Jurisdiction	GARRETT MD
Township / Civil Division	4, BLOOMINGTON
Census Block Group	1
Census Block	1039
Census Tract	400

Owner

23 Owens Ave is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	23 OWENS AVE, BLOOMINGTON, MD 21523-1004
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
Mar 29, 2022	Special Warranty Deed, Transfer · Stand-Alone First Mortgage WEPCO FCU
Oct 22, 2021	Special Warranty Deed, Foreclosure
May 18, 2021	Correction Deed
Mar 2, 2021	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2022 · Amount on File
Deed Sale	Mar 29, 2022 · Amount on File
Prior Sale	Oct 22, 2021 · Amount on File
Deed Book / Page	2404 / 455
Prior Transfer Date	Feb 23, 2021
Prior Transfer Doc	0022870100
Record Updated	Oct 29, 2026

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 29, 2022
Property Address	23 OWENS AVE, BLOOMINGTON, MD 21523-1004
Document Number	0024040455
Book / Page	2404 / 455
Instrument Date	Mar 24, 2022
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Amount	Amount 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 in Severalty
Address	23 OWENS AVE, BLOOMINGTON, MD 21523-1004

Mortgage

Document Number	0002404460
Date	Mar 29, 2022
Instrument	2404/460

Lender

Name	WEPCO FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

October 2021: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	GARRETT MD
Recording Date	Oct 22, 2021
Property Address	23 OWENS AVE, BLOOMINGTON, MD 21523-1004
Document Number	0023610372
Book / Page	2361 / 372
Map Reference	LB 649 FO 589
Instrument Date	May 24, 2021
Transaction Type	Foreclosure
Record Updated	Aug 29, 2022

Transaction

Amount	Amount 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	2000 S NICKLAS AVE # 110, 110, OKLAHOMA CITY, OK 73128-3011
Investor	Possibly a Property Investor

May 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	GARRETT MD
Recording Date	May 18, 2021
Property Address	23 OWENS AVE, BLOOMINGTON, MD 21523-1004
Document Number	0023130234
Book / Page	2313 / 234
Instrument Date	May 13, 2021
Record Updated	Aug 29, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	999 NW GRAND BLVD, OKLAHOMA CITY, OK 73118-6051

March 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 2, 2021
Property Address	23 OWENS AVE, BLOOMINGTON, MD 21523-1004
Document Number	0022870100
Book / Page	2287 / 100
Map Reference	LB 649 FO 589
Instrument Date	Feb 23, 2021
Transaction Type	Foreclosure
Record Updated	Aug 29, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	999 NW GRAND BLVD, OKLAHOMA CITY, OK 73118-6051

Tax Assessment & Valuation

The 2026 property tax bill for 23 Owens Ave was $796.

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	$796.00	$64,100 Land $13,400 Building $50,700	$64,100 Land $13,400 Building $50,700
2023	$1,009.00	$77,200	$79,700 Land $13,400 Building $66,300

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

Flood

FEMA maps place 23 Owens Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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	1 in force
Nearby Flood Claims	2 (1985–1996)
Most Recent Claim	Jul 1996 · river or lake flooding

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 23 Owens Ave 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

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	BLOOMINGTON serves 350 people · EPA ID MD0110002
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	8 ppb (2021) 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Pogozone powered by Neubeam.

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