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

Garrett County property record for 402 N 3rd St, Oakland, MD 21550 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1957
Square Footage	1,862 sqft Total Area
Lot Size	17,340 sqft (0.398 acres)
Garage	Mixed, 638 sqft
Occupancy	Owner Occupied
Last Sale	$112,000 (1999)
Tax Bill	$3,321.00 (2026)

Owner

Source: Garrett County records · APN 17-008609

Assessment roll updated July 27, 2026 · Last verified August 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	402 N 3RD ST, OAKLAND, MD 21550-1114
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 09, 1999 · Amount on Record
Deed Sale	Feb 09, 1999 · Amount on Record
Deed Doc Number	1999184
Deed Book / Page	764 / 16
Record Refreshed	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	402 N 3RD ST, OAKLAND, MD 21550-1114
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024090208
Date	Apr 15, 2022
Book Page	2409/208

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Garrett County records · Assessment roll updated July 27, 2026 · Last verified August 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

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
2026	$3,321.00 (+5.53%) Homeowner's exemption	$244,600 (+21.75%)	$257,200 (+7.93%) Land $24,300 Building $232,900
2023	$3,147.00 Homeowner's exemption	$200,900	$238,300 Land $24,300 Building $214,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

Property Details

APN / Parcel Number

Primary APN	`17-008609`
Alternative APN	`008609`

Interior

Full Baths	1 Baths
Building Area	1,862 sqft Total Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Conventional Style
Exterior Material	Stone Exterior
Roof Material	Composition Shingle Roof
Lot Area	17,340 sqft (0.398 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Mixed Garage
Garage Area	638 sqft Garage
Patio Area	27 sqft Patio
Porch Area	110 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	008609
Street Address	402 N 3RD ST
City	OAKLAND
State	MD
Zip	21550-1114
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	0.40 AC 402 N 3RD ST OAKLAND
Legal Subdivision	KARL KAHLS LAND
Jurisdiction	GARRETT MD
Minor Civil Division	14, WEST OAKLAND
Census Blockgroup	3
Census Block	3003
Census Tract	601