48 Spring Ln, Oakland, MD 21550 Property Records

Garrett County property record for 48 Spring Ln, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 1977
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,999 (Aug 2024)
Tax Bill	$2,350 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-008832`

Property Details

APN / Parcel Number

Primary APN	`10-008832`
Alternative APN	`008832`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Total Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	30,492 sqft (0.7 acres)
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	196 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	008832
Street Address	48 SPRING LN
City	OAKLAND
State	MD
Zip	21550-4213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.70 AC W/S SAND FLAT RD SPRING GLADE
Jurisdiction	GARRETT MD
Township / Civil Division	10, DEER PARK
Census Block Group	1
Census Block	1019
Census Tract	601

Owner

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	2 Individual Names on Record
Mailing Address	11707 BELLVUE AVE, KINGSVILLE, MD 21087-1615
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed, Transfer · Conventional Mortgage CLEAR MOUNTAIN BANK
Apr 9, 2020	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2024 · Amount on Record
Deed Sale	Aug 8, 2024 · Amount on Record
Prior Sale	Aug 7, 2024 · Amount on Record
Deed Book / Page	2566 / 55
Transfer Doc	0000000939
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Oct 4, 2022
Property Address	48 SPRING LN, OAKLAND, MD 21550-4213
Document Number	0024480298
Book / Page	2448 / 298
Map Reference	LB 2198 PG 161
Instrument Date	Sep 29, 2022
Transaction Type	Transfer
Record Updated	Oct 24, 2022
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	211 HOMBERG AVE, ESSEX, MD 21221-3739

Mortgage

Document Number	0024480301
Date	Oct 4, 2022
Instrument	2448-0301

Lender

Name	CLEAR MOUNTAIN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2037

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 9, 2020
Property Address	48 SPRING LN, OAKLAND, MD 21550-4213
Document Number	0021980161
Book / Page	2198 / 161
Instrument Date	Mar 17, 2020
Transaction Type	Transfer
Record Updated	Aug 6, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48 SPRING LN, OAKLAND, MD 21550-4213

Mortgage

Document Number	0021980167
Date	Apr 9, 2020
Book Page	2198/167

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

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	$2,350.00 (+12.49%)	$208,700 (+14.73%) Land $25,900 Building $182,800	$208,700 (-) Land $25,900 Building $182,800
2025	$2,089.00 (+36.71%)	$181,900 (+41.78%)	$208,700 (+62.67%) Land $25,900 Building $182,800
2023	$1,528.00	$128,300 Land $19,600 Building $108,700	$128,300 Land $19,600 Building $108,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.04% 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.

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)
Xfinity Cable	2,000 / 250
Pogozone powered by Neubeam Fixed Wireless	300 / 40

May also be available: Mountain Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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