409 E Oak St, Oakland, MD 21550 Property Records

Garrett County property record for 409 E Oak St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,296 sqft · built 1922
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,100 (Mar 2020)
Tax Bill	$2,083 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-003674`

Property Details

APN / Parcel Number

Primary APN	`17-003674`
Alternative APN	`003674`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,296 sqft Total Area
Basement Area	1 sqft
Finished Basement	1 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	260 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	003674
Street Address	409 E OAK ST
City	OAKLAND
State	MD
Zip	21550-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	8276 SQ FT 409 E OAK ST OAKLAND
Jurisdiction	GARRETT MD
Township / Civil Division	7, EAST OAKLAND
Census Block Group	2
Census Block	2051
Census Tract	601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oakland Historic District listed 1984 · 175 contributing resources · NRIS 84001798

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Garrett County records, as of August 12, 2025

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 Record
Mailing Address	409 E OAK ST, OAKLAND, MD 21550-1608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2020 · Amount on Record
Deed Sale	Mar 13, 2020 · Amount on Record
Prior Sale	Dec 28, 2007 · Amount on Record
Deed Book / Page	2193 / 362
Prior Transfer Date	Dec 13, 2007
Prior Transfer Doc	0013480164
Record Updated	Jun 8, 2026

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 13, 2020
Property Address	409 E OAK ST, OAKLAND, MD 21550-1608
Document Number	0021930362
Book / Page	002193 / 000362
Instrument Date	Mar 11, 2020
Transaction Type	Transfer
Record Updated	May 1, 2020
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 E OAK ST OAKLAND MD 215501608, OAKLAND, MD 21550-1608

Mortgage

Document Number	21930366
Date	Mar 13, 2020
Book Page	002193/000366

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of August 12, 2025

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
2025	$2,083.00 (+9.69%)	$129,900 (+12.14%) Land $17,700 Building $112,200	$129,900 (-) Land $17,700 Building $112,200
2023	$1,899.00	$115,833	$129,900 Land $17,700 Building $112,200

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not 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 Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 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 203 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

May also be available: T-Mobile, Verizon, Xfinity.

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