414 D St, Oakland, MD 21550 Property Records

Garrett County property record for 414 D St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1 ba · 924 sqft · built 1950
Lot Size	0.576 acres (25,082 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Sep 2025)
Tax Bill	$1,553 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`16-010154`

Property Details

APN / Parcel Number

Primary APN	`16-010154`
Alternative APN	`010154`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	924 sqft Total Area
Basement Area	468 sqft
Finished Basement	468 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Stone
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	25,082 sqft (0.576 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Deck Area	175 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	010154
Street Address	414 D ST
City	OAKLAND
State	MD
Zip	21550-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	25082 SQ FT LOTS 1545-1547 MT LAKE PARK
Legal Subdivision	MOUNTAIN LAKE PARK
Legal Lot Number	1545
Jurisdiction	GARRETT MD
Township / Civil Division	16, MOUNTAIN LAKE PARK
Census Block Group	4
Census Block	4065
Census Tract	700

Owner

Source: Garrett County records, as of July 27, 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	2 Individual Names on File
Mailing Address	414 D ST, OAKLAND, MD 21550-3204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Special Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 7, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Prior Sale	Oct 1, 2008 · Amount on File
Deed Book / Page	2639 / 422
Prior Transfer Date	Feb 17, 2024
Prior Transfer Doc	0025400362
Record Updated	Sep 20, 2026

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 30, 2025
Property Address	414 D ST, OAKLAND, MD 21550-3204
Document Number	0026390422
Book / Page	2639 / 422
Map Reference	LB 1 FO 21
Instrument Date	Aug 11, 2025
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	414 D ST, OAKLAND, MD 21550-3204

Mortgage

Document Number	0002639429
Date	Sep 30, 2025
Instrument	2639/429

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRETT MD
Recording Date	Mar 7, 2024
Property Address	414 D ST, OAKLAND, MD 21550-3204
Document Number	0025400362
Book / Page	2540 / 362
Map Reference	LB 1 FO 21
Instrument Date	Feb 29, 2024
Transaction Type	Transfer
Record Updated	Mar 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 H ST, OAKLAND, MD 21550-3617

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Municipality	Mountain Lake Park Town
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,553.00 (+19.74%)	$104,800 (+21.72%)	$142,200 (+65.16%) Land $20,900 Building $121,300
2025	$1,297.00 (+11.23%)	$86,100 (+15.99%) Land $20,900 Building $65,200	$86,100 (-) Land $20,900 Building $65,200
2023	$1,166.00	$74,233	$86,100 Land $20,900 Building $65,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE, within 100 ft
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.

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
Adjoins Burnable Land	Yes

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 MOUNTAIN LAKE PARK serves 3,000 people · EPA ID MD0110007
Water Source	Groundwater
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	None 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 234 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, Xfinity.

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