415 Mountaintop Rd, Mc Henry, MD 21541 Property Records

Garrett County property record for 415 Mountaintop Rd, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	7 ba · 3,750 sqft · built 2021
Lot Size	0.573 acres (25,000 sqft)
Owner	Individual Name on Record
Last Sale	$37,500 (Mar 2020)
Tax Bill	$10,297 (2023)
Deeds & Mortgages	Mar 2019 Construction Loan May 2020 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-075105`

Property Details

APN / Parcel Number

Primary APN	`18-075105`
Alternative APN	`075105`

Interior

Full Baths	7 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,750 sqft Total Area
Basement Area	1,654 sqft
Finished Basement	1,654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	25,000 sqft (0.573 acres)
Porch	Open Porch
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	075105
Street Address	415 MOUNTAINTOP RD
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25000 SQ FT LOT 90 DEEP CREEK HIGHLANDS WES
Legal Subdivision	DEEP CREEK
Legal Lot Number	90
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2035
Census Tract	502

Owner

Source: Garrett County records, as of September 20, 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 Record
Co-owner	Co-owner on Record
Mailing Address	5017 OAK POINT DR, MC KEES ROCKS, PA 15136-1582
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST
May 12, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST
Mar 17, 2020	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST
Mar 6, 2020	Grant Deed, Transfer DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC
Oct 24, 2018	Grant Deed, Transfer DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2020 · Amount on Record
Deed Sale	Mar 17, 2020 · Amount on Record
Prior Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	0002194180
Deed Book / Page	2194 / 180
Record Updated	Jun 7, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	415 MOUNTAINTOP RD, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021220265
Date	Mar 18, 2019
Book Page	2122/0265

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	MC HENRY, MD 21541

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	415 MOUNTAINTOP RD, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022030373
Date	May 12, 2020
Book Page	2203/373

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	MC HENRY, MD 21541

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 17, 2020
Property Address	415 MOUNTAINTOP RD, MC HENRY, MD 21541
Document Number	0021940180
Book / Page	2194 / 180
Map Reference	MB 2 PG 108
Instrument Date	Mar 6, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	5017 OAK POINT DR, MC KEES ROCKS, PA 15136-1582

Mortgage

Document Number	0002194183
Date	Mar 17, 2020
Instrument	2194/183

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	4.66%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	6.66%
Index	1-Year CMT
Max Rate	10.6%

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 6, 2020
Property Address	415 MOUNTAINTOP RD, MC HENRY, MD 21541
Document Number	0021940180
Book / Page	002194 / 000180
Instrument Date	Mar 6, 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
Tax	$38.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5017 OAK POINT DR MC KEES ROCKS PA 151361582, MC KEES ROCKS, PA 15136-1582

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Oct 24, 2018
Property Address	415 MOUNTAINTOP RD, MC HENRY, MD 21541
Document Number	0021010335
Book / Page	002101 / 000335
Instrument Date	Oct 10, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC

Transaction

Amount	Amount Recorded
Tax	$32.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	132 BRADFORD PARK RD BADEN PA 150052404, BADEN, PA 15005-2404

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	$10,297.00	$769,600 Land $110,000 Building $659,600	$769,600 Land $110,000 Building $659,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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	DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 ppb (2025) 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000

May also be available: Pogozone powered by Neubeam, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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