Garrett County property record for 392 Virts Rd, Swanton, MD 21561
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,096 sqft · built 1953 |
| Lot Size | 1.91 acres (83,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,000 (Oct 2024) |
| Tax Bill | $595 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-005929 |
| Primary APN | 04-005929 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,096 sqft Total Area |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Conventional |
| Exterior Material | Block |
| Roof Material | Composition Shingle |
| Lot Area | 83,200 sqft (1.91 acres) |
| Porch | Slab |
| Porch Area | 184 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 005929 |
|---|---|
| Street Address | 392 VIRTS RD |
| City | SWANTON |
| State | MD |
| Zip | 21561-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.91 AC W/S CHESTNUT GROVE RD BACKBONE MTN |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 4, BLOOMINGTON |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 400 |
392 Virts Rd is owned by two individuals who bought it in October 2024.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3811 CHESTNUT GROVE RD, SWANTON, MD 21561-1438 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2024 · Amount on File |
| Deed Sale | Oct 29, 2024 · Amount on File |
| Deed Book / Page | 2582 / 76 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Jul 15, 2026 |
| Property Address | 392 VIRTS RD, SWANTON, MD 21561-1502 |
| Document Number | 2698000476 |
| Book / Page | 2698 / 476 |
| Instrument Date | Jun 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3811 CHESTNUT GROVE RD, SWANTON, MD 21561-1438 |
| Document Number | 2698000476, |
|---|---|
| Date | Jul 15, 2026 |
| Book Page | 2698/476 |
| Name | ANABAPTIST FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 392 Virts Rd was $595, up 1.4% from the year before.
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $595.00 (+1.36%) | $48,200 (+3.43%) | $49,800 (-) Land $21,300 Building $28,500 |
| 2025 | $587.00 | $46,600 | $49,800 Land $21,300 Building $28,500 |
| 2023 | $565.00 Homeowner's exemption | $43,267 | $44,000 Land $20,200 Building $23,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 392 Virts Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.
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 | 1 in force |
| Nearby Flood Claims | 2 (1985–1996) |
| Most Recent Claim | Jul 1996 · river or lake flooding |
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 risk around 392 Virts Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 73% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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