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389 Dennett Rd, Oakland, MD 21550 Property Records

Garrett County property record for 389 Dennett Rd, Oakland, MD 21550

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,300 sqft · built 1958
Lot Size0.85 acres (37,026 sqft)
Owner2 Individual Names on Record
Last Sale$187,000 (Aug 2023)
Tax Bill$1,962 (2026)
Deeds & MortgagesAug 2023 Sale & Mortgage
Jun 2017 Sale
Flood ZoneZone X (minimal risk)
APN07-002599

Property Details

APN / Parcel Number

Primary APN07-002599
Alternative APNs
  • 7002599
  • 002599

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,300 sqft Total Area
Basement Area1,300 sqft
Finished Basement1,300 sqft

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area37,026 sqft (0.85 acres)
Garage TypeDetached
Garage Area720 sqft
Parking Spaces3 Parking Spaces
PorchSlab
Porch Area132 sqft
Patio Area280 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number002599
Street Address389 DENNETT RD
CityOAKLAND
StateMD
Zip21550-1469
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description0.85 AC N/S DENNETT RD OAKLAND
Legal SubdivisionJOHN AND MARY
JurisdictionGARRETT MD
Township / Civil Division7, EAST OAKLAND
Census Block Group3
Census Block3016
Census Tract700

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address389 DENNETT RD, OAKLAND, MD 21550-1469
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 22, 2023Deed, Transfer · Conventional Mortgage
CLEAR MOUNTAIN BANK
Jun 26, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 22, 2023 · Amount on Record
Deed SaleAug 22, 2023 · Amount on Record
Prior SaleJun 26, 2017 · Amount on Record
Deed Book / Page2507 / 273
Record UpdatedOct 29, 2026

August 2023: Deed, Transfer

Document TypeDeed
JurisdictionGARRETT MD
Recording DateAug 22, 2023
Property Address389 DENNETT RD, OAKLAND, MD 21550-1469
Document Number0025070273
Book / Page2507 / 273
Map ReferenceMB 1 FILE 22
Instrument DateAug 18, 2023
Transaction TypeTransfer
Record UpdatedSep 6, 2023

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$467.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address389 DENNETT RD, OAKLAND, MD 21550-1469

Mortgage

Document Number0025070280
DateAug 22, 2023
Instrument2507-0280
Lender
NameCLEAR MOUNTAIN BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2053
Interest
Rate TypeAdjustable Rate
Rate6.87%
AdjustableAdjustable Rate Rider
Type Change DateSep 1, 2028
Change FrequencyAnnually
Min Rate At Change4.87%
Max Rate At Change8.87%
Index1-Year CMT
Margin3
Max Rate12.8%

June 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionGARRETT MD
Recording DateJun 26, 2017
Property Address389 DENNETT RD, OAKLAND, MD 21550-1469
Document Number0020140031
Book / Page002014 / 000031
Instrument DateJun 23, 2017
Transaction TypeTransfer
Record UpdatedJul 25, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$150.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address389 DENNETT RD OAKLAND MD 215501469, OAKLAND, MD 21550-1469

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyGarrett County
Unified School DistrictGarrett County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,962.00 (+19.56%) Homeowner's exemption$177,500 (+16.6%)$186,700 (+7.98%) Land $27,400 Building $159,300
2023$1,641.00 Homeowner's exemption$152,233$172,900 Land $24,200 Building $148,700

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemTOWN OF OAKLAND
serves 1,850 people · EPA ID MD0110008
Water SourceSurface water
Last State InspectionMay 2025
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 130 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Glo Fiber
Cable		1,000 / 50
Pogozone powered by Neubeam
Fixed Wireless		300 / 40
Verizon
Fixed Wireless · Fiber in parts of the area		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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