Garrett County property record for 331 N 3rd St, Oakland, MD 21550 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1968 |
| Square Footage | 1,360 sqft Total Area |
| Lot Size | 22,108 sqft (0.508 acres) |
| Garage | Attached, 440 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $120,000 (2015) |
| Tax Bill | $2,737.00 (2025) |
Source: Garrett County records · APN 17-007149
Assessment roll updated August 12, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 331 N 3RD ST, OAKLAND, MD 21550-1111 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Nov 19, 2021 | Deed of Trust, Mortgage · Line of Credit JAMES E CLARKE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 09, 2015 · Amount on Record |
| Deed Sale | Jun 09, 2015 · Amount on Record |
| Deed Book / Page | 1875 / 79 |
| Last Transfer Date | Jan 04, 2016 |
| Transfer Doc | 0019140253 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 331 N 3RD ST, OAKLAND, MD 21550-1111 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0026420001 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | 2642/1 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 331 N 3RD ST, OAKLAND, MD 21550-1111 |
| Transaction Type | Mortgage |
| Record Updated | Dec 08, 2021 |
| Title Company | REGIS TITLE LLC, RGS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0023720306 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 2372/306 |
| Name | JAMES E CLARKE |
|---|---|
| Type | Seller |
| Address | LEESBURG, VA 20175 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Garrett County records · Assessment roll updated August 12, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Municipality | Oakland Town |
| Unified School District | Garrett County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,737.00 (+4.31%) Homeowner's exemption | $185,400 (+13.56%) Land $25,000 Building $160,400 | $185,400 (-) Land $25,000 Building $160,400 |
| 2023 | $2,624.00 Homeowner's exemption | $163,267 | $185,400 Land $25,000 Building $160,400 |
Source: FEMA National Flood Hazard Layer, Garrett County (24023C), updated February 1, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 8,333 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 17-007149 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,360 sqft Total Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional Style |
| Exterior Material | Brick Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 22,108 sqft (0.508 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Deck Area | 16 sqft Deck |
| Porch Area | 130 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 007149 |
|---|---|
| Street Address | 331 N 3RD ST |
| City | OAKLAND |
| State | MD |
| Zip | 21550-1111 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 0.51 AC E/S N 3RD ST OAKLAND |
| Jurisdiction | GARRETT MD |
| Minor Civil Division | 7, EAST OAKLAND |
| Census Blockgroup | 2 |
| Census Block | 2012 |
| Census Tract | 601 |
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