276 Cheeks Ln, Oakland, MD 21550 Property Records

Garrett County property record for 276 Cheeks Ln, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1 ba · 576 sqft · built 1999
Lot Size	7.43 acres (323,651 sqft)
Owner	Company Name on Record
Last Sale	$340,000 (Jun 2023)
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-015566`

Property Details

APN / Parcel Number

Primary APN	`14-015566`
Alternative APN	`015566`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	576 sqft Total Area
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	323,651 sqft (7.43 acres)
Porch	Slab
Porch Area	192 sqft
Deck Area	608 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	015566
Street Address	276 CHEEKS LN
City	OAKLAND
State	MD
Zip	21550-7613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7.43 AC E/S SWALLOW FALLS RD SWALLOW FALLS
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	1
Census Block	1063
Census Tract	602

Owner

Source: Garrett County records, as of July 22, 2026

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

Owner of Record	Company Name on Record
Mailing Address	7365 QUEEN ST, KEARNEYSVILLE, WV 25430-3604
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed, Transfer · Line of Credit FIRST UNITED BANK
Jun 30, 2023	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST
Feb 12, 2021	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Feb 12, 2021 · Amount on Record
Deed Book / Page	2498 / 349
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jul 10, 2026
Property Address	276 CHEEKS LN, OAKLAND, MD 21550-7613
Document Number	2698000057
Book / Page	2698 / 57
Instrument Date	Jun 30, 2026
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	DEER CREEK TITLE, DEEP CREEK TITLE

Transaction

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	Limited Liability Partnership
Address	7365 QUEEN ST, KEARNEYSVILLE, WV 25430-3604

Mortgage

Document Number	2698000063,
Date	Jul 10, 2026
Book Page	2698/63

Lender

Name	FIRST UNITED BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.53%
Max Rate	-1%

Mortgage

Document Number	2698000089,
Date	Jul 10, 2026
Book Page	2698/89

Lender

Name	FIRST UNITED BANK

Agreement

Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jun 30, 2023
Property Address	276 CHEEKS LN, OAKLAND, MD 21550-7613
Document Number	0024980349
Book / Page	2498 / 349
Instrument Date	Jun 23, 2023
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
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	7365 QUEEN ST, KEARNEYSVILLE, WV 25430-3604

Mortgage

Document Number	0024980356
Date	Jun 30, 2023
Instrument	2498-0356

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2033
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%

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Feb 12, 2021
Property Address	276 CHEEKS LN, OAKLAND, MD 21550-7613
Document Number	0022820144
Book / Page	2282 / 144
Instrument Date	Feb 11, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	276 CHEEKS LN, OAKLAND, MD 21550-7613

Mortgage

Document Number	0002282149
Date	Feb 12, 2021
Instrument	2282/149

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of August 12, 2025

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
2025	$2,390.00 (+16.59%)	$208,500 (+20.54%) Land $44,600 Building $163,900	$208,500 (-) Land $44,600 Building $163,900
2023	$2,050.00 (+13.13%)	$172,967 (+11.45%)	$208,500 (+34.34%) Land $44,600 Building $163,900
2022	$1,812.00	$155,200 Land $41,400 Building $113,800	$155,200 Land $41,400 Building $113,800

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

Flood

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	2 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Pogozone powered by Neubeam Fixed Wireless	300 / 40

May also be available: T-Mobile.

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