440 Ben Dewitt Rd, Oakland, MD 21550 Property Records

Garrett County property record for 440 Ben Dewitt Rd, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,544 sqft · built 2007
Lot Size	3.76 acres (163,786 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Mar 2021)
Tax Bill	$3,976 (2026)
Deeds & Mortgages	Jan 2023 Transfer Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-010129`

Property Details

APN / Parcel Number

Primary APN	`08-010129`
Alternative APNs	`8010129` `010129`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,544 sqft Total Area
Basement Area	1,696 sqft
Finished Basement	1,696 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	163,786 sqft (3.76 acres)
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	608 sqft
Deck Area	56 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	010129
Street Address	440 BEN DEWITT RD
City	OAKLAND
State	MD
Zip	21550-2548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.76 AC LOT 18 PHASE 1 ROYAL CHARLOTTE SUB
Legal Subdivision	ROYAL CHARLOTTE SUB
Legal Phase	1
Legal Lot Number	18
Jurisdiction	GARRETT MD
Township / Civil Division	8, RED HOUSE
Census Block Group	4
Census Block	4031
Census Tract	601

Owner

440 Ben Dewitt Rd is owned and occupied by two individuals who acquired it in January 2023.

Source: Garrett County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	440 BEN DEWITT RD, OAKLAND, MD 21550-2548
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Intrafamily Transfer, Transfer
Mar 17, 2021	Deed, Transfer · Conventional Mortgage OAKTREE FUNDING CORP
Apr 28, 2017	Grant Deed, Transfer · Conventional Mortgage CLEAR MTN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2021 · Amount on File
Deed Sale	Mar 17, 2021 · Amount on File
Prior Sale	May 2, 2017 · Amount on File
Deed Book / Page	2292 / 452
Last Transfer Date	Jan 30, 2023
Transfer Doc	0024700078
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRETT MD
Recording Date	Jan 30, 2023
Property Address	440 BEN DEWITT RD, OAKLAND, MD 21550-2548
Document Number	0024700078
Book / Page	2470 / 78
Map Reference	MB 2 PL 134
Instrument Date	Jan 30, 2023
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	440 BEN DEWITT RD, OAKLAND, MD 21550-2548

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 17, 2021
Property Address	440 BEN DEWITT RD, OAKLAND, MD 21550-2548
Document Number	0022920452
Book / Page	2292 / 452
Map Reference	MB 2 FILE 134
Instrument Date	Feb 25, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Redemption Amount
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	440 BEN DEWITT RD, OAKLAND, MD 21550-2548

Mortgage

Document Number	0002292460
Date	Mar 17, 2021
Instrument	2292/460

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 28, 2017
Property Address	440 BEN DEWITT RD, OAKLAND, MD 21550-2548
Document Number	0020040065
Book / Page	002004 / 000065
Instrument Date	Apr 28, 2017
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 BEN DEWITT RD OAKLAND MD 215502548, OAKLAND, MD 21550-2548

Mortgage

Document Number	200740072
Date	Apr 28, 2017
Book Page	020074/000072

Lender

Name	CLEAR MTN BK
Type	Bank
Address	BRUCETON MILLS, WV 26525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 440 Ben Dewitt Rd was $3,976 with a homeowner's exemption, up 0.3% from the year before.

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

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
2026	$3,976.00 (+0.3%) Homeowner's exemption	$359,100 (+3.02%) Land $31,600 Building $327,500	$359,100 (-) Land $31,600 Building $327,500
2025	$3,964.00 Homeowner's exemption	$348,567	$359,100 Land $31,600 Building $327,500
2023	$3,855.00 Homeowner's exemption	$327,500 Land $25,200 Building $302,300	$327,500 Land $25,200 Building $302,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 440 Ben Dewitt Rd in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 440 Ben Dewitt Rd is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300

May also be available: Pogozone powered by Neubeam.

Cell Coverage

5G and 4G LTE (outdoors only)

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