Garrett County property record for 231 Smith Dr, Oakland, MD 21550
| Property Type | Rural Home |
|---|---|
| Details | 2 ba · 1,200 sqft · built 1991 |
| Lot Size | 23.1 acres (1,009,285 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Dec 2020) |
| Tax Bill | $2,847 (2026) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-010187 |
| Primary APN | 10-010187 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,200 sqft Total Area |
| Basement Area | 7,600 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,009,285 sqft (23.1 acres) |
| Porch | Slab |
| Porch Area | 192 sqft |
| Stable | 7,000 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 010187 |
|---|---|
| Street Address | 231 SMITH DR |
| City | OAKLAND |
| State | MD |
| Zip | 21550-4317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 23.17 AC S/S BROADFORD RD DEER PARK |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 10, DEER PARK |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 700 |
231 Smith Dr, a rural home, is owned and occupied by two individuals who bought it in December 2020.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 231 SMITH DR, OAKLAND, MD 21550-4317 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2020 · Amount on File |
| Deed Sale | Dec 10, 2020 · Amount on File |
| Prior Sale | Mar 20, 2007 · Amount on File |
| Deed Book / Page | 2266 / 37 |
| Transfer Doc | 0013810112 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Dec 10, 2020 |
| Property Address | 231 SMITH DR, OAKLAND, MD 21550-4317 |
| Document Number | 0022660037 |
| Book / Page | 2266 / 37 |
| Instrument Date | Nov 4, 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 231 SMIIH DR, OAKLAND, MD 21550-4317 |
| Document Number | 0000226647 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 2266/47 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2026 property tax bill for 231 Smith Dr was $2,847, up 7.6% from the year before.
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 | $2,847.00 (+7.6%) | $253,400 (+9.62%) Land $43,600 Building $209,800 | $253,400 (-) Land $43,600 Building $209,800 |
| 2025 | $2,646.00 | $231,167 | $253,400 Land $43,600 Building $209,800 |
| 2023 | $2,210.00 | $186,700 Land $34,600 Building $152,100 | $186,700 Land $34,600 Building $152,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 231 Smith Dr 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 | 1 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 risk around 231 Smith Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Cable | 1,000 / 50 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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