Garrett County property record for 3089 Shingle Camp Rd, Mc Henry, MD 21541
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,848 sqft · built 1989 |
| Lot Size | 0.482 acres (20,980 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $798,000 (Mar 2023) |
| Tax Bill | $11,523 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-049376 |
| Primary APN | 18-049376 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,848 sqft Total Area |
| Basement Area | 1,232 sqft |
| Finished Basement | 1,232 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 20,980 sqft (0.482 acres) |
| View / Lot | Waterfront |
| Porch | Slab |
| Porch Area | 36 sqft |
| Deck Area | 560 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 049376 |
|---|---|
| Street Address | 3089 SHINGLE CAMP RD |
| City | MC HENRY |
| State | MD |
| Zip | 21541-1638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20980 SQ FT W/99.89' LOT 19 SHINGLE CAMP TER MARSH HILL D C L |
| Legal Subdivision | SHINGLE CAP0 TERRACE SUBDIVISION |
| Legal Lot Number | 19 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 6, SANG RUN |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 502 |
3089 Shingle Camp Rd is owned by two individuals who bought it in March 2023.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1379 DILWORTHTOWN XING, 101, WEST CHESTER, PA 19382-8267 |
| 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.
| Date | Document |
|---|---|
| Mar 28, 2023 | Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Nov 1, 2018 | Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2023 · Amount on File |
| Deed Sale | Mar 28, 2023 · Amount on File |
| Prior Sale | Dec 28, 2007 · Amount on File |
| Deed Book / Page | 2480 / 111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Mar 28, 2023 |
| Property Address | 3089 SHINGLE CAMP RD, MC HENRY, MD 21541-1638 |
| Document Number | 0024800111 |
| Book / Page | 2480 / 111 |
| Instrument Date | Mar 24, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,990.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1379 DILWORTHTOWN XING # 101, 101, WEST CHESTER, PA 19382-8267 |
| Document Number | 0024800115 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 2480/115 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | MOOSEHEART, IL 60539 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 6.25% |
| Max Rate At Change | 11.2% |
| Index | Other |
| Max Rate | 11.2% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Nov 1, 2018 |
| Property Address | 3089 SHINGLE CAMP RD, MC HENRY, MD 21541-1638 |
| Document Number | 0021020485 |
| Book / Page | 002102 / 000485 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $530.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2807 TALLY HO CT SYKESVILLE MD 217846890, SYKESVILLE, MD 21784-6890 |
| Document Number | 21020489 |
|---|---|
| Date | Nov 1, 2018 |
| Book Page | 002102/000489 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 31, 2048 |
The 2026 property tax bill for 3089 Shingle Camp Rd was $11,523.
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 | $11,523.00 | $913,133 | $963,400 Land $423,800 Building $539,600 |
| 2023 | $8,896.00 | $664,933 | $888,000 Land $368,900 Building $519,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3089 Shingle Camp Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 3089 Shingle Camp Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mountain Communications Fiber | 1,000 / 1,000 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
May also be available: T-Mobile, Xfinity.
5G and 4G LTE (outdoors only)
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