Garrett County property record for 412 Smith Dr, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,188 sqft · built 2000 |
| Lot Size | 2.76 acres (120,226 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Oct 2008) |
| Tax Bill | $1,263 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-009278 |
| Primary APN | 10-009278 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,188 sqft Total Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 120,226 sqft (2.76 acres) |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 394 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 009278 |
|---|---|
| Street Address | 412 SMITH DR |
| City | OAKLAND |
| State | MD |
| Zip | 21550-4318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.76 AC W/S MARYLAND HWY BROADFORD |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 10, DEER PARK |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 700 |
Source: Garrett County records, as of July 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 412 SMITH DR, OAKLAND, MD 21550-4318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2008 · Amount on Record |
| Deed Sale | Oct 2, 2008 · Amount on Record |
| Prior Sale | Aug 22, 2000 · Amount on Record |
| Deed Document Number | 200881294 |
| Deed Book / Page | 1391 / 340 |
| Prior Transfer Date | Sep 25, 2008 |
| Prior Transfer Doc | 0013910343 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Jul 7, 2026 |
| Property Address | 412 SMITH DR, OAKLAND, MD 21550-4318 |
| Document Number | 2697000101 |
| Book / Page | 2697 / 101 |
| Instrument Date | Jul 1, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 412 SMITH DR, OAKLAND, MD 21550-4318 |
| Document Number | 2697000101, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 2697/101 |
| Name | CLEAR MOUNTAIN BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Garrett County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,263.00 (+4.12%) Homeowner's exemption | $147,033 (+45.15%) | $169,900 (+67.72%) Land $39,600 Building $130,300 |
| 2023 | $1,213.00 Homeowner's exemption | $101,300 Land $29,700 Building $71,600 | $101,300 Land $29,700 Building $71,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Cable | 1,000 / 50 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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