41 Boyd Paugh Ln, Oakland, MD 21550 Property Records

Garrett County property record for 41 Boyd Paugh Ln, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,925 sqft · built 2021
Lot Size	0.919 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Aug 2020)
Tax Bill	$11,677 (2023)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-066769`

Property Details

APN / Parcel Number

Primary APN	`18-066769`
Alternative APN	`066769`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	2,925 sqft Total Area
Basement Area	1,766 sqft
Finished Basement	1,766 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.919 acres)
Garage Type	Built-in
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Deck Area	221 sqft
Patio Area	158 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	066769
Street Address	41 BOYD PAUGH LN
City	OAKLAND
State	MD
Zip	21550-7093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	40075 SQ FT W/200'LF LOT 20 HERON COVE SUB
Legal Subdivision	HERON COVE SUB
Legal Lot Number	20
Jurisdiction	GARRETT MD
Township / Civil Division	10, DEER PARK
Census Block Group	1
Census Block	1020
Census Tract	502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	525 CUMBERLAND ST, CUMBERLAND, MD 21502-2062
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Deed of Trust, Mortgage · Conventional Mortgage RAPID MORTGAGE FUNDING INC
Feb 28, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 26, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 4, 2020	Grant Deed, Transfer CNB BK
May 4, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Deed Document Number	0002223129
Deed Book / Page	2223 / 129
Record Updated	Jun 7, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	41 BOYD PAUGH LN, OAKLAND, MD 21550-7093
Transaction Type	Mortgage
Record Updated	Mar 19, 2024
Title Company	ALLIANCE GROUP TITLE LLC, ALLIANCE FIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 BOYD PAUGH LN, OAKLAND, MD 21550-7093

Mortgage

Document Number	0025360309
Date	Feb 6, 2024
Book Page	2536/309

Lender

Name	RAPID MORTGAGE FUNDING INC
Type	Mortgage Company
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	41 BOYD PAUGH LN, OAKLAND, MD 21550-7093
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 BOYD PAUGH LN, OAKLAND, MD 21550-7093

Mortgage

Document Number	0024750009
Date	Feb 28, 2023
Book Page	2475/9

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 12, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	41 BOYD PAUGH LN, OAKLAND, MD 21550-7093
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 BOYD PAUGH LN, OAKLAND, MD 21550-7093

Mortgage

Document Number	0024450286
Date	Sep 26, 2022
Book Page	2445/286

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Aug 4, 2020
Property Address	41 BOYD PAUGH LN, OAKLAND, MD 21550-7093
Document Number	0022230129
Book / Page	002223 / 000129
Instrument Date	Jul 30, 2020
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$193.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	BOYD PAUGH LN CRELLIN MD 21550, CRELLIN, MD 21550

Mortgage

Document Number	22230133
Date	Aug 4, 2020
Book Page	002223/000133

Lender

Name	CNB BK
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

Interest

Rate Type	Adjustable Rate

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	May 4, 2018
Property Address	41 BOYD PAUGH LN, OAKLAND, MD 21550-7093
Document Number	0020700476
Book / Page	002070 / 000476
Instrument Date	Apr 24, 2018
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$129.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 TRILLIUM PL VENETIA PA 153671048, VENETIA, PA 15367-1048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$11,677.00	$943,267	$1,474,000 Land $199,800 Building $1,274,200

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2026 · rainfall accumulation

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 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Shenandoah Telecommunications Company, Verizon.

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