Garrett County property record for 478 Mountainview Dr, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,496 sqft · built 1992 |
| Lot Size | 2.13 acres (92,782 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,500 (Sep 2018) |
| Tax Bill | $6,460 (2026) |
| Deeds & Mortgages | May 2023 Line of Credit Jan 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-060191 |
| Primary APN | 18-060191 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,496 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 92,782 sqft (2.13 acres) |
| Porch | Slab |
| Porch Area | 324 sqft |
| Deck Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 060191 |
|---|---|
| Street Address | 478 MOUNTAINVIEW DR |
| City | OAKLAND |
| State | MD |
| Zip | 21550-7174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 92782 SQ FT LOT 20 & 21A MOUNTAINSIDE SUB |
| Legal Subdivision | MOUNTAINSIDE SUB |
| Legal Lot Number | 20 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 14, WEST OAKLAND |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 502 |
Source: Garrett County records, as of July 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 478 MOUNTAINVIEW DR, OAKLAND, MD 21550-7174 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 30, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jan 7, 2020 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC |
| Oct 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Sep 5, 2018 | Grant Deed, Transfer DRAPER & KRAMER MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2018 · Amount on Record |
| Deed Sale | Sep 6, 2018 · Amount on Record |
| Prior Sale | Jun 16, 2003 · Amount on Record |
| Deed Book / Page | 2092 / 206 |
| Transfer Doc | 0000000830 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 478 MOUNTAINVIEW DR, OAKLAND, MD 21550-7174 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 478 MOUNTAINVIEW DR, OAKLAND, MD 21550-7174 |
| Document Number | 0024920047 |
|---|---|
| Date | May 30, 2023 |
| Book Page | 2492/47 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 478 MOUNTAINVIEW DR, OAKLAND, MD 21550-7174 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0021800001 |
|---|---|
| Date | Jan 7, 2020 |
| Book Page | 2180/0001 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 478 MOUNTAINVIEW DR, OAKLAND, MD 21550-7174 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0021610421 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 2161/0421 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 478 MOUNTAINVIEW DR, OAKLAND, MD 21550-7174 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0023530131 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 2353/131 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Sep 5, 2018 |
| Property Address | 478 MOUNTAINVIEW DR, OAKLAND, MD 21550-7174 |
| Document Number | 0020920206 |
| Book / Page | 002092 / 000206 |
| Instrument Date | Sep 5, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2019 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 MOUNTAINVIEW DR OAKLAND MD 215507174, OAKLAND, MD 21550-7174 |
| Document Number | 20920210 |
|---|---|
| Date | Sep 5, 2018 |
| Book Page | 002092/000210 |
| Name | DRAPER & KRAMER MTG |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 4, 2048 |
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 | $6,460.00 (+25.68%) | $533,033 (+31.49%) | $550,500 (+5%) Land $104,300 Building $446,200 |
| 2023 | $5,140.00 | $405,367 | $524,300 Land $95,200 Building $429,100 |
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 | 3 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2026 · rainfall accumulation |
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 | 0.01% 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.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Glo Fiber, Mountain Communications, Pogozone powered by Neubeam.
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