405 Fairway Dr, Oakland, MD 21550 Property Records

Garrett County property record for 405 Fairway Dr, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,305 sqft · built 1971
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Nov 2021)
Tax Bill	$3,716 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`17-007009`

Property Details

APN / Parcel Number

Primary APN	`17-007009`
Alternative APN	`007009`

Interior

Full Baths	2 Baths
Building Area	1,305 sqft Total Area
Basement Area	975 sqft
Finished Basement	975 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Foyer
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	294 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	007009
Street Address	405 FAIRWAY DR
City	OAKLAND
State	MD
Zip	21550-5521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.32 AC LOT 44 GOLF CREST MANOR
Legal Subdivision	GOLF CREST MANOR
Legal Lot Number	44
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3016
Census Tract	601

Owner

Source: Garrett County records, as of October 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2986 OAKLAND SANG RUN RD, OAKLAND, MD 21550-8006
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage CLEAR MOUNTAIN BANK
Apr 19, 2021	Deed, Transfer · Stand-Alone First Mortgage DOUGLAS J SMITH ETUX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2021 · Amount on File
Deed Sale	Nov 15, 2021 · Amount on File
Prior Sale	Apr 19, 2021 · Amount on File
Deed Document Number	2021
Deed Book / Page	2370 / 337
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	405 FAIRWAY DR, OAKLAND, MD 21550-5521
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	J GREGORY LAW FIRM LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 FAIRWAY DR, OAKLAND, MD 21550-5521

Mortgage

Document Number	0024070039
Date	Apr 5, 2022
Book Page	2407/39

Lender

Name	CLEAR MOUNTAIN BANK
Type	Bank
Address	BRUCETON MILLS, WV 26525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.99%
Index	Other
Margin	4
Max Rate	6.99%

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 19, 2021
Property Address	405 FAIRWAY DR, OAKLAND, MD 21550-5521
Document Number	0023020108
Book / Page	2302 / 108
Instrument Date	Apr 15, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2986 OAKLAND SANG RUN RD, OAKLAND, MD 21550-8006

Mortgage

Document Number	0002302112
Date	Apr 19, 2021
Instrument	2302/112

Lender

Name	DOUGLAS J SMITH ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate	9.6%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,716.00 (+39.28%)	$234,600 (+44.16%)	$263,000 (+19.33%) Land $23,700 Building $239,300
2023	$2,668.00	$162,733	$220,400 Land $23,700 Building $196,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	TOWN OF OAKLAND serves 1,850 people · EPA ID MD0110008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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