471 Smith Dr, Oakland, MD 21550 Property Records

Garrett County property record for 471 Smith Dr, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,424 sqft · built 2002
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$207,000 (Apr 2018)
Tax Bill	$2,918 (2026)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-002508`

Property Details

APN / Parcel Number

Primary APN	`10-002508`
Alternative APN	`002508`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,424 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Garage Type	Mixed
Garage Area	1,420 sqft
Parking Spaces	5 Parking Spaces
Deck Area	72 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	002508
Street Address	471 SMITH DR
City	OAKLAND
State	MD
Zip	21550-4318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.00 AC NW/S MARYLAND HWY DEER PARK
Jurisdiction	GARRETT MD
Township / Civil Division	10, DEER PARK
Census Block Group	4
Census Block	4001
Census Tract	700

Owner

471 Smith Dr is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	471 SMITH DR, OAKLAND, MD 21550-4318
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2018 · Amount on File
Deed Sale	Apr 24, 2018 · Amount on File
Prior Sale	Oct 11, 2017 · Amount on File
Deed Book / Page	2068 / 423
Record Updated	Oct 29, 2026

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 24, 2018
Property Address	471 SMITH DR, OAKLAND, MD 21550-4318
Document Number	0020680423
Book / Page	2068 / 0423
Instrument Date	Apr 13, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$785.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3482 FINGERBOARD RD, OAKLAND, MD 21550-7414

Mortgage

Document Number	0002068428
Date	Apr 24, 2018
Instrument	2068/428

Lender

Name	CLEAR MOUNTAIN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 471 Smith Dr was $2,918 with a homeowner's exemption.

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	$2,918.00 Homeowner's exemption	$351,900 Land $41,500 Building $310,400	$351,900 Land $41,500 Building $310,400
2023	$2,770.00	$234,600 Land $31,000 Building $203,600	$234,600 Land $31,000 Building $203,600

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

Flood

FEMA maps place 471 Smith Dr 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 471 Smith Dr 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 19 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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