Garrett County property record for 48 Fern Loop Dr, Mc Henry, MD 21541
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,980 sqft · built 2021 |
| Lot Size | 0.814 acres (35,474 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $86,400 (Aug 2014) |
| Tax Bill | $7,394 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-085259 |
| Primary APN | 18-085259 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,980 sqft Total Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 35,474 sqft (0.814 acres) |
| Garage Type | Attached |
| Garage Area | 408 sqft |
| Deck Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 085259 |
|---|---|
| Street Address | 48 FERN LOOP |
| City | MC HENRY |
| State | MD |
| Zip | 21541-1774 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 35474 SQ FT LOT 3 SANDY SHORES HEIGHTS |
| Legal Subdivision | SANDY SHORES HEIGHTS |
| Legal Lot Number | 3 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 6, SANG RUN |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 502 |
48 Fern Loop Dr is owned and occupied by two individuals who bought it in August 2014.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 FERN LOOP, MC HENRY, MD 21541-1774 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2014 · Amount on File |
| Deed Sale | Aug 21, 2014 · Amount on File |
| Deed Book / Page | 1822 / 379 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 48 FERN LOOP DR, MC HENRY, MD 21541-1774 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 48 FERN LOOP DR, MC HENRY, MD 21541-1774 |
| Document Number | 0024650001 |
|---|---|
| Date | Dec 21, 2022 |
| Book Page | 2465/1 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 48 Fern Loop Dr was $7,394 with a homeowner's exemption, up 1.3% from the year before.
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 | $7,394.00 (+1.26%) Homeowner's exemption | $802,000 (+2.01%) | $833,600 (+6.03%) Land $105,200 Building $728,400 |
| 2025 | $7,302.00 Homeowner's exemption | $786,200 Land $105,200 Building $681,000 | $786,200 Land $105,200 Building $681,000 |
| 2023 | $7,092.00 Homeowner's exemption | $597,267 | $786,200 Land $105,200 Building $681,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Fern Loop 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 | 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.
Wildfire risk around 48 Fern Loop 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.
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 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mountain Communications Fiber | 1,000 / 1,000 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
May also be available: Xfinity.
5G and 4G LTE (outdoors only)
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