406 Fairway Dr, Oakland, MD 21550 Property Records

Garrett County property record for 406 Fairway Dr, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,152 sqft · built 1974
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$292,500 (Oct 2022)
Tax Bill	$3,065 (2023)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`17-008099`

Property Details

APN / Parcel Number

Primary APN	`17-008099`
Alternative APN	`008099`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,152 sqft Total Area
1st Floor Area	1,152 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.319 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	428 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	1,008 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	008099
Street Address	406 FAIRWAY DR
City	OAKLAND
State	MD
Zip	21550-5520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.32 AC LOT 47 GOLF CREST MANOR
Legal Subdivision	GOLF CREST MANOR
Legal Lot Number	47
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3022
Census Tract	601

Owner

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

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
Co-owner	Co-owner on File
Mailing Address	5806 AUSTRALIAN PINE DR, TAMARAC, FL 33319-3002
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed, Transfer · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC
Mar 17, 2021	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST
Feb 21, 2018	Deed, Transfer · ARM FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2022 · Amount on File
Deed Sale	Oct 26, 2022 · Amount on File
Prior Sale	Feb 21, 2018 · Amount on File
Deed Document Number	0002453387
Deed Book / Page	2453 / 387
Record Updated	Jun 7, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Oct 26, 2022
Property Address	406 FAIRWAY DR, OAKLAND, MD 21550-5520
Document Number	0024530387
Book / Page	2453 / 387
Map Reference	DR L FILE 43
Instrument Date	Oct 21, 2022
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5806 AUSTRALIAN PINE DR, TAMARAC, FL 33319-3002

Mortgage

Document Number	0024530392
Date	Oct 26, 2022
Instrument	2453-0392

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.26%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	406 FAIRWAY DR, OAKLAND, MD 21550-5520
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022920304
Date	Mar 17, 2021
Book Page	2292/304

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Feb 21, 2018
Property Address	406 FAIRWAY DR, OAKLAND, MD 21550-5520
Document Number	0020590073
Book / Page	2059 / 0073
Map Reference	DR L FILE43
Instrument Date	Feb 16, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 FAIRWAY DR, OAKLAND, MD 21550-5520

Mortgage

Document Number	0000205977
Date	Feb 21, 2018
Instrument	2059/77

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.99%
Index	1-Year CMT
Margin	3
Max Rate	9.99%

Tax Assessment & Valuation

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

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
2023	$3,065.00	$186,933	$242,600 Land $23,700 Building $218,900

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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