312 Thunderhead Rd, Oakland, MD 21550 Property Records

Garrett County property record for 312 Thunderhead Rd, Oakland, MD 21550

Property Summary

Property Type	Rural Home
Details	2 ba · 1,568 sqft · built 2002
Lot Size	13.3 acres (581,090 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,271 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-012144`

Property Details

APN / Parcel Number

Primary APN	`07-012144`
Alternative APNs	`7012144` `012144`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Metal
Lot Area	581,090 sqft (13.3 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	012144
Street Address	312 THUNDERHEAD RD
City	OAKLAND
State	MD
Zip	21550-3083
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	13.34 AC S/S JASPER RILEY RD PLEASANT VALLEY
Jurisdiction	GARRETT MD
Township / Civil Division	7, EAST OAKLAND
Census Block Group	1
Census Block	1018
Census Tract	700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	312 THUNDERHEAD RD, OAKLAND, MD 21550-3083
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	312 THUNDERHEAD RD, OAKLAND, MD 21550-3083
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021540269
Date	Sep 11, 2019
Book Page	2154/0269

Lender

Name	MANUFACTURERS TRADERS TRUST CO
Type	Lending Institution
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$2,271.00 (+3.98%) Homeowner's exemption	$215,400 (+16.39%)	$229,800 (+10.37%) Land $48,200 Building $181,600
2023	$2,184.00 Homeowner's exemption	$185,067	$208,200 Land $41,200 Building $167,000

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	12 (1994–2019)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jun 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jan 1996 · 3 claims

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	0.04% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Pogozone powered by Neubeam Fixed Wireless	300 / 40