425 E Alder St, Oakland, MD 21550 Property Records

Garrett County property record for 425 E Alder St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,752 sqft · built 1895
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (May 2026)
Tax Bill	$2,892 (2026)
Deeds & Mortgages	May 2026 Foreclosure Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-003488`

Property Details

APN / Parcel Number

Primary APN	`17-003488`
Alternative APN	`003488`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,752 sqft Total Area

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	207 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	003488
Street Address	425 E ALDER ST
City	OAKLAND
State	MD
Zip	21550-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.25 AC 425 E ALDER ST OAKLAND
Legal Subdivision	MCCARTYS ADD TOWN OAKLAND
Jurisdiction	GARRETT MD
Township / Civil Division	7, EAST OAKLAND
Census Block Group	2
Census Block	2043
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 October 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	42637 BRADFORDS TELEGRAPH CT, CHANTILLY, VA 20152-6323
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Trustee's Deed, Foreclosure NONE LISTED ON DOCUMENT
Apr 14, 2023	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Sep 9, 2025 · Amount on Record
Deed Book / Page	2683 / 382
Prior Transfer Date	May 22, 2013
Prior Transfer Doc	0017410092
Record Updated	Oct 29, 2026

May 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GARRETT MD
Recording Date	May 6, 2026
Property Address	425 E ALDER ST, OAKLAND, MD 21550-1601
Document Number	2683000382
Book / Page	2683 / 382
Instrument Date	May 4, 2026
Transaction Type	Foreclosure
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$151,500.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	42637 BRADFORDS TELEGRAPH CT, CHANTILLY, VA 20152-6323

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 14, 2023
Property Address	423 E ALDER ST, OAKLAND, MD 21550-1601
Document Number	0024830376
Book / Page	2483 / 376
Map Reference	LB WHT 2 PG 513
Instrument Date	Mar 31, 2023
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	MARYLAND TITLE CENTER LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	425 E ALDER ST, OAKLAND, MD 21550-1601

Mortgage

Document Number	0024830381
Date	Apr 14, 2023
Instrument	2483-0381

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	12-Month MTA
Margin	3
Max Rate	12%

Mortgage

Document Number	0024830408
Date	Apr 14, 2023
Book Page	2483/408

Lender

Name	GARRELT COUNTY COMMUNITY ACTION COMMITTE
Type	Non-Lending Institution
Address	OAKLAND, MD 21550

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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
2026	$2,892.00 (+38.44%)	$182,633 (+30.08%)	$267,100 (+90.24%) Land $23,300 Building $243,800
2025	$2,089.00 (+4.4%) Homeowner's exemption	$140,400 (+15.02%) Land $23,300 Building $117,100	$140,400 (-) Land $23,300 Building $117,100
2023	$2,001.00	$122,067	$140,400 Land $23,300 Building $117,100

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
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
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 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 153 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

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

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