Garrett County property record for 431 Mountaintop Rd, Mc Henry, MD 21541
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,024 sqft · built 2005 |
| Lot Size | 0.574 acres (25,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $845,000 (Mar 2021) |
| Tax Bill | $9,565 (2026) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-075091 |
| Primary APN | 18-075091 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,024 sqft Total Area |
| Basement Area | 1,261 sqft |
| Finished Basement | 1,261 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 25,000 sqft (0.574 acres) |
| Porch | Slab |
| Porch Area | 258 sqft |
| Deck Area | 310 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 075091 |
|---|---|
| Street Address | 431 MOUNTAINTOP RD |
| City | MC HENRY |
| State | MD |
| Zip | 21541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 25000 SQ FT LOT 91 DEEP CREEK HIGHLANDS WES |
| Legal Subdivision | DEEP CREEK |
| Legal Lot Number | 91 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 6, SANG RUN |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 502 |
Source: Garrett County records, as of September 30, 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 Record |
|---|---|
| Mailing Address | 4014 CRESCENT RD, ELLICOTT CITY, MD 21042-5306 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2021 · Amount on Record |
| Deed Sale | Mar 16, 2021 · Amount on Record |
| Prior Sale | Mar 22, 2005 · Amount on Record |
| Deed Book / Page | 2292 / 46 |
| Prior Transfer Date | Dec 6, 2011 |
| Prior Transfer Doc | 0016290256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Mar 16, 2021 |
| Property Address | 431 MOUNTAINTOP RD, MC HENRY, MD 21541 |
| Document Number | 0022920046 |
| Book / Page | 2292 / 46 |
| Map Reference | MB DKM 3 PG 108 |
| Instrument Date | Mar 14, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4014 CRESCENT RD, ELLICOTT CITY, MD 21042-5306 |
| Investor | Possibly a Property Investor |
| Document Number | 0000229250 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 2292/50 |
| Name | MILLENNIUM FINANCIAL GROUP INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,565.00 (+9.82%) | $758,000 (+11.56%) Land $110,000 Building $648,000 | $758,000 (-) Land $110,000 Building $648,000 |
| 2025 | $8,710.00 (+24.62%) | $679,467 (+30.07%) | $758,000 (+45.1%) Land $110,000 Building $648,000 |
| 2023 | $6,989.00 | $522,400 Land $110,000 Building $412,400 | $522,400 Land $110,000 Building $412,400 |
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 | 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.
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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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