437 N 2nd St, Oakland, MD 21550 Property Records

Garrett County property record for 437 N 2nd St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,000 sqft · built 1958
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,000 (Mar 2019)
Tax Bill	$1,355 (2023)
Deeds & Mortgages	Sep 2023 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-006525`

Property Details

APN / Parcel Number

Primary APN	`17-006525`
Alternative APN	`006525`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Total Area
1st Floor Area	1,000 sqft
Utility Area	66 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1958
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	198 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	006525
Street Address	437 N 2ND ST
City	OAKLAND
State	MD
Zip	21550-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.17 AC N 2ND ST OAKLAND
Legal Lot Number	11
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3003
Census Tract	601

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	2 Individual Names on Record
Mailing Address	437 N 2ND ST, OAKLAND, MD 21550-1109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Unknown FIRST UNITED BANK & TRUST
Mar 18, 2019	Grant Deed, Transfer FIRST UNITED BK
Nov 21, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2019 · Amount on Record
Deed Sale	Mar 21, 2019 · Amount on Record
Prior Sale	Nov 21, 2018 · Amount on Record
Deed Document Number	0000212353
Deed Book / Page	2123 / 53
Prior Transfer Date	Mar 18, 2019
Prior Transfer Doc	0021230053
Record Updated	Jun 7, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	437 N 2ND ST, OAKLAND, MD 21550-1109
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 N 2ND ST, OAKLAND, MD 21550-1109

Mortgage

Document Number	0025120418
Date	Sep 18, 2023
Book Page	2512/418

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	OAKLAND, MD 21550

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 18, 2019
Property Address	437 N 2ND ST, OAKLAND, MD 21550-1109
Document Number	0021230053
Book / Page	002123 / 000053
Instrument Date	Mar 18, 2019
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$57.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	437 N 2ND ST OAKLAND MD 215501109, OAKLAND, MD 21550-1109

Mortgage

Document Number	21230059
Date	Mar 18, 2019
Book Page	002123/000059

Lender

Name	FIRST UNITED BK
Type	Bank
Address	OAKLAND, MD 21550

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

November 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GARRETT MD
Recording Date	Nov 21, 2018
Property Address	437 N 2ND ST, OAKLAND, MD 21550-1109
Document Number	0021070027
Book / Page	002107 / 000027
Instrument Date	Jul 20, 2018
Transaction Type	Foreclosure
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$59.80
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 1, 2023

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
2023	$1,355.00	$82,667	$93,400 Land $15,800 Building $77,600

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	3 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 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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