276 Mountaintop Rd, Mc Henry, MD 21541 Property Records

Garrett County property record for 276 Mountaintop Rd, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,875 sqft · built 2009
Lot Size	0.585 acres (25,500 sqft)
Owner	2 Trust Names on File
Last Sale	$660,000 (Jan 2019)
Tax Bill	$11,172 (2025)
Deeds & Mortgages	Jun 2023 Transfer Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-075172`

Property Details

APN / Parcel Number

Primary APN	`18-075172`
Alternative APN	`075172`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,875 sqft Total Area
Basement Area	988 sqft
Finished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	25,500 sqft (0.585 acres)
Garage Type	Attached
Garage Area	692 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	258 sqft
Deck Area	169 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	075172
Street Address	276 MOUNTAINTOP RD
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25500 SQ FT LOT 57 DEEP CREEK HIGHLANDS WES
Legal Subdivision	DEEP CREEK
Legal Lot Number	57
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2035
Census Tract	502

Owner

276 Mountaintop Rd is held in a trust since April 2023.

Source: Garrett County records, as of August 12, 2025

Owner of Record	2 Trust Names on File
Mailing Address	330 KINGSTON CIR, SYKESVILLE, MD 21784-7724
Owner Type	Individual
Vesting	Trust

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
Jun 12, 2023	Intrafamily Transfer, Transfer
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 17, 2019	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2019 · Amount on File
Deed Sale	Jan 17, 2019 · Amount on File
Prior Sale	Apr 23, 2013
Deed Book / Page	2115 / 130
Last Transfer Date	Apr 12, 2023
Transfer Doc	0024930461
Record Updated	Jun 8, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRETT MD
Recording Date	Jun 12, 2023
Property Address	276 MOUNTAINTOP RD, MC HENRY, MD 21541
Document Number	0024930461
Book / Page	2493 / 461
Map Reference	MB 3 FILE 108
Instrument Date	Apr 12, 2023
Transaction Type	Transfer
Record Updated	Jul 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	330 KINGSTON CIR, SYKESVILLE, MD 21784-7724

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	276 MOUNTAINTOP RD, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	330 KINGSTON CIR, SYKESVILLE, MD 21784-7724

Mortgage

Document Number	0023390391
Date	Aug 9, 2021
Book Page	2339/391

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jan 17, 2019
Property Address	276 MOUNTAINTOP RD, MC HENRY, MD 21541
Document Number	0021150130
Book / Page	2115 / 0130
Map Reference	MB DKM 3 FILE 108
Instrument Date	Jan 16, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND TITLE WORKS UNLIMIT

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	330 KINGSTON CIR, SYKESVILLE, MD 21784-7724

Mortgage

Document Number	0002115133
Date	Jan 17, 2019
Instrument	2115/133

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 276 Mountaintop Rd was $11,172.

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	$11,172.00	$871,500	$971,800 Land $134,600 Building $837,200
2023	$8,976.00 (+14.55%)	$670,900 (-) Land $134,600 Building $536,300	$670,900 (-) Land $134,600 Building $536,300
2022	$7,836.00	$670,900 Land $134,600 Building $536,300	$670,900 Land $134,600 Building $536,300

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

Flood

FEMA maps place 276 Mountaintop Rd 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	6 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

Wildfire risk around 276 Mountaintop Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct 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 System	DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000

May also be available: Pogozone powered by Neubeam, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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