322 N 3rd St, Oakland, MD 21550 Property Records

Garrett County property record for 322 N 3rd St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,666 sqft · built 1977
Lot Size	0.218 acres (9,480 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2019)
Tax Bill	$3,024 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-009206`

Property Details

APN / Parcel Number

Primary APN	`17-009206`
Alternative APN	`009206`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,666 sqft Total Area
Basement Area	1 sqft
Finished Basement	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	9,480 sqft (0.218 acres)

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Deck Area	169 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	009206
Street Address	322 N 3RD ST
City	OAKLAND
State	MD
Zip	21550-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.22 AC 322 N THIRD ST OAKLAND
Legal Subdivision	ALBERT W KAHLS ADDITION
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3002
Census Tract	601

Owner

322 N 3rd St is owned by an individual who acquired it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	491 SANDERS LN, OAKLAND, MD 21550-7466
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU
Jun 30, 2021	Deed, Transfer
Apr 8, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2019 · Amount on File
Deed Sale	Apr 8, 2019 · Amount on File
Prior Sale	Dec 4, 2000 · Amount on File
Deed Book / Page	2125 / 494
Last Transfer Date	May 9, 2022
Transfer Doc	2414000471
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	322 N 3RD ST, OAKLAND, MD 21550-1112
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 N 3RD ST, OAKLAND, MD 21550-1112

Mortgage

Document Number	0023340132
Date	Jul 21, 2021
Book Page	2334/132

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21505

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 23, 2036

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jun 30, 2021
Property Address	322 N 3RD ST, OAKLAND, MD 21550-1112
Document Number	0023280387
Book / Page	2328 / 387
Map Reference	MB 1 PG 78
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SANDERS LN, OAKLAND, MD 21550-7466

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 8, 2019
Property Address	322 N 3RD ST, OAKLAND, MD 21550-1112
Document Number	0021250494
Book / Page	002125 / 000494
Instrument Date	Apr 5, 2019
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	491 SANDERS LN OAKLAND MD 215507466, OAKLAND, MD 21550-7466

Tax Assessment & Valuation

The 2026 property tax bill for 322 N 3rd St was $3,024, up 4% from the year before.

Source: Garrett County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Municipality	Oakland Town
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,024.00 (+3.95%)	$190,967 (+5.27%)	$210,100 (+15.82%) Land $20,200 Building $189,900
2025	$2,909.00	$181,400 Land $20,200 Building $161,200	$181,400 Land $20,200 Building $161,200
2023	$2,619.00	$159,733	$181,400 Land $20,200 Building $161,200

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

Flood

FEMA maps place 322 N 3rd St 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	3 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 322 N 3rd St is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF OAKLAND serves 1,850 people · EPA ID MD0110008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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