367 Fern Loop Dr, Mc Henry, MD 21541 Property Records

Garrett County property record for 367 Fern Loop Dr, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,128 sqft · built 2022
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$792,000 (Apr 2023)
Tax Bill	$8,227 (2023)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Nov 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-081806`

Property Details

APN / Parcel Number

Primary APN	`18-081806`
Alternative APN	`081806`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,128 sqft Total Area
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Porch	Open Porch
Deck Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	081806
Street Address	367 FERN LOOP DR
City	MC HENRY
State	MD
Zip	21541-1765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	43560 SQ FT LOT 28 SANDY SHORES HEIGHTS
Legal Subdivision	SANDY SHORES HEIGHTS
Legal Lot Number	28
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2026
Census Tract	502

Owner

Source: Garrett County records, as of September 20, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	7002 OLD CABIN LN, ROCKVILLE, MD 20852-4532
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST
Nov 23, 2020	Deed of Trust, Mortgage · Construction Mortgage SOMERSET TRUST CO
Sep 16, 2020	Grant Deed, Transfer NOT AVAILABLE
Feb 18, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2023 · Amount on Record
Deed Sale	Apr 4, 2023 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Document Number	0002481333
Deed Book / Page	2481 / 333
Record Updated	Jun 7, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 4, 2023
Property Address	367 FERN LOOP DR, MC HENRY, MD 21541-1765
Document Number	0024810333
Book / Page	2481 / 333
Map Reference	CASE DKM 3 PG 219
Instrument Date	Mar 28, 2023
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7002 OLD CABIN LN, ROCKVILLE, MD 20852-4532

Mortgage

Document Number	0024810337
Date	Apr 4, 2023
Book Page	2481/337

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	OAKLAND, MD 21550

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Margin	3
Max Rate	11.5%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	367 FERN LOOP DR, MC HENRY, MD 21541-1765
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022590353
Date	Nov 23, 2020
Book Page	2259/353

Lender

Name	SOMERSET TRUST CO
Type	Bank
Address	SOMERSET, PA 15501

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Oct 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 16, 2020
Property Address	367 FERN LOOP DR, MC HENRY, MD 21541-1765
Document Number	0022360047
Book / Page	002236 / 000047
Instrument Date	Sep 8, 2020
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$33.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	327 DEWEY AVE PITTSBURGH PA 152181411, PITTSBURGH, PA 15218-1411

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Feb 18, 2020
Property Address	367 FERN LOOP DR, MC HENRY, MD 21541-1765
Document Number	0021880140
Book / Page	002188 / 000140
Instrument Date	Feb 11, 2020
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2115 STARMOUNT LN LUTHERVILLE MD 210932830, LUTHERVILLE, MD 21093-2830

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 1, 2023

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
2023	$8,227.00	$614,933	$813,200 Land $109,200 Building $704,000

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	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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 70 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: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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