285 Cherry Heights Ln, Mc Henry, MD 21541 Property Records

Garrett County property record for 285 Cherry Heights Ln, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,016 sqft · built 2000
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Nov 2025)
Tax Bill	$7,611 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Dec 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-065517`

Property Details

APN / Parcel Number

Primary APN	`18-065517`
Alternative APN	`065517`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,016 sqft Total Area
Basement Area	1,176 sqft
Finished Basement	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	52,272 sqft (1.2 acres)
Porch	Slab
Porch Area	112 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	065517
Street Address	285 CHERRY HEIGHTS LN
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.20 AC LOT 8 ROCK LODGE HEIGHTS
Legal Subdivision	ROCK LODGE HEIGHTS SUBDIVISION
Legal Lot Number	8
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2006
Census Tract	502

Owner

285 Cherry Heights Ln is owned by two individuals who bought it in November 2025.

Source: Garrett County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	121 PARKVIEW DR, KINGWOOD, WV 26537-1351
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 21, 2025	Deed, Transfer · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC
Dec 31, 2019	Quit Claim Deed, Transfer OTHER
Sep 4, 2019	Grant Deed, Transfer · Conventional with PMI MLEND
Apr 27, 2018	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS
Nov 4, 2016	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	Sep 4, 2019 · Amount on File
Deed Book / Page	2651 / 282
Prior Transfer Date	Dec 27, 2019
Prior Transfer Doc	0021780477
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Nov 21, 2025
Property Address	285 CHERRY HEIGHTS LN, MC HENRY, MD 21541
Document Number	0026510282
Book / Page	2651 / 282
Map Reference	MB 4 PG 59
Instrument Date	Nov 7, 2025
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 PARKVIEW DR, KINGWOOD, WV 26537-1351

Mortgage

Document Number	0002651287
Date	Nov 21, 2025
Instrument	2651/287

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.87%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.8%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARRETT MD
Recording Date	Dec 31, 2019
Property Address	285 CHERRY HEIGHTS LN, MC HENRY, MD 21541
Document Number	0021780477
Book / Page	002178 / 000477
Instrument Date	Dec 27, 2019
Transaction Type	Transfer
Record Updated	Jan 17, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	43942 ROCHELLE CT ASHBURN VA 201473816, ASHBURN, VA 20147-3816

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 4, 2019
Property Address	285 CHERRY HEIGHTS LN, MC HENRY, MD 21541
Document Number	0021530024
Book / Page	002153 / 000024
Instrument Date	Aug 28, 2019
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	43942 ROCHELLE CT ASHBURN VA 201473816, ASHBURN, VA 20147-3816

Mortgage

Document Number	21530027
Date	Sep 4, 2019
Book Page	002153/000027

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 27, 2018
Property Address	285 CHERRY HEIGHTS LN, MC HENRY, MD 21541
Document Number	0020690430
Book / Page	002069 / 000430
Instrument Date	Apr 9, 2018
Transaction Type	Transfer
Record Updated	May 9, 2018
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$434.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38468 HOUSEHOLDER RD LOVETTSVILLE VA 201802946, LOVETTSVILLE, VA 20180-2946

Mortgage

Document Number	20690433
Date	Apr 27, 2018
Book Page	002069/000433

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2048

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	285 CHERRY HEIGHTS LN, MC HENRY, MD 21541
Document Number	0019920412
Book / Page	001992 / 000412
Instrument Date	Nov 4, 2016
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	RESOURCE R/E SERVICES, RESOURCE R/E SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	285 CHERRY HEIGHTS LN MC HENRY MD 21541, MC HENRY, MD 21541

Mortgage

Document Number	0019920412
Date	Feb 28, 2017
Book Page	001992/000412

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 27, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 285 Cherry Heights Ln was $7,611, up 11.3% from the year before.

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	$7,611.00 (+11.29%)	$655,000 (+13.2%) Land $110,400 Building $544,600	$655,000 (-) Land $110,400 Building $544,600
2025	$6,839.00	$578,633	$655,000 Land $110,400 Building $544,600
2023	$5,272.00	$425,900 Land $110,400 Building $315,500	$425,900 Land $110,400 Building $315,500

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

Flood

FEMA maps place 285 Cherry Heights Ln 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 285 Cherry Heights Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mountain Communications Fiber	1,000 / 1,000

May also be available: Pogozone powered by Neubeam.

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