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233 N 2nd St, Oakland, MD 21550 Property Records

Garrett County property record for 233 N 2nd St, Oakland, MD 21550

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,218 sqft · built 1914
Lot Size0.257 acres (11,200 sqft)
Owner2 Individual Names on Record
Last Sale$300,000 (Mar 2024)
Tax Bill$4,131 (2026)
Deeds & MortgagesMar 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN17-007556

Property Details

APN / Parcel Number

Primary APN17-007556
Alternative APN
  • 007556

Interior

Full Baths3 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area2,218 sqft Total Area
AtticAttic
Attic Area536 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1914
Effective Year BuiltEffective 1914
Architectural StyleConventional
Exterior MaterialBrick
Roof MaterialComposition Shingle
Lot Area11,200 sqft (0.257 acres)
Garage TypeDetached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area702 sqft
Deck Area150 sqft

Utilities, Heating & Cooling

Heating SystemBaseboard
SewerConnected

Location & Zoning

Account Number007556
Street Address233 N 2ND ST
CityOAKLAND
StateMD
Zip21550-1319
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR
Legal Description0.26 AC 233 N 2ND ST OAKLAND
Legal SubdivisionNAYLOR & DIXON ADD
JurisdictionGARRETT MD
Township / Civil Division14, WEST OAKLAND
Census Block Group3
Census Block3005
Census Tract601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Oakland Historic District
listed 1984 · 175 contributing resources · NRIS 84001798

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address233 N 2ND ST, OAKLAND, MD 21550-1319
OccupancyOwner Occupied
Owner TypeIndividual
VestingEt Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 27, 2024 · Amount on Record
Deed SaleMar 27, 2024 · Amount on Record
Prior SaleAug 6, 2010 · Amount on Record
Deed Book / Page2544 / 217
Record UpdatedOct 29, 2026

March 2024: Deed, Transfer

Document TypeDeed
JurisdictionGARRETT MD
Recording DateMar 27, 2024
Property Address233 N 2ND ST, OAKLAND, MD 21550-1319
Document Number0025440217
Book / Page2544 / 217
Map ReferenceMB 1 FO 38
Instrument DateMar 19, 2024
Transaction TypeTransfer
Record UpdatedApr 10, 2024
Title CompanyMADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,500.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address233 N 2ND ST, OAKLAND, MD 21550-1319

Mortgage

Document Number0025440225
DateMar 27, 2024
Instrument2544-0225
Lender
NameALCOVA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyGarrett County
MunicipalityOakland Town
Unified School DistrictGarrett County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,131.00 (+15.42%) Homeowner's exemption$265,400 (+18.76%)$285,400 (+11.75%) Land $23,300 Building $262,100
2023$3,579.00 Homeowner's exemption$223,467$255,400 Land $23,300 Building $232,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 1, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemTOWN OF OAKLAND
serves 1,850 people · EPA ID MD0110008
Water SourceSurface water
Last State InspectionMay 2025
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 140 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mountain Communications
Fiber		1,000 / 1,000
Glo Fiber
Cable		1,000 / 50
Pogozone powered by Neubeam
Fixed Wireless		300 / 40
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile, Xfinity.

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