502 E Oak St, Oakland, MD 21550 Property Records

Garrett County property record for 502 E Oak St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 1956
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Sep 2025)
Tax Bill	$2,927 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`17-004034`

Property Details

APN / Parcel Number

Primary APN	`17-004034`
Alternative APN	`004034`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Total Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	138 ft deep x 82 ft wide
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	004034
Street Address	502 E OAK ST
City	OAKLAND
State	MD
Zip	21550-1611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.25 AC LOT 15 OAKLAND
Legal Subdivision	BRANTS ADDITION
Legal Lot Number	15
Jurisdiction	GARRETT MD
Township / Civil Division	7, EAST OAKLAND
Census Block Group	2
Census Block	2049
Census Tract	601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oakland Historic District listed 1984 · 175 contributing resources · NRIS 84001798

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 LAKE SHORE DR, OAKLAND, MD 21550-7944
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed, Transfer · Conventional Mortgage LIBERTY FCU
Oct 5, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Jan 6, 2015 · Amount on Record
Deed Book / Page	2636 / 94
Prior Transfer Date	Aug 15, 2023
Prior Transfer Doc	2508000155
Record Updated	Sep 20, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 16, 2025
Property Address	502 E OAK ST, OAKLAND, MD 21550-1611
Document Number	0026360094
Book / Page	2636 / 94
Instrument Date	Sep 12, 2025
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,199.50
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	2 LAKE SHORE DR, OAKLAND, MD 21550-7944

Mortgage

Document Number	0026360098
Date	Sep 16, 2025
Book Page	2636/98

Lender

Name	LIBERTY FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRETT MD
Recording Date	Oct 5, 2021
Property Address	502 E OAK ST, OAKLAND, MD 21550-1611
Document Number	0023560359
Book / Page	2356 / 359
Map Reference	LB WHT2 FO 502
Instrument Date	Oct 1, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Municipality	Oakland Town
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,927.00 (+19.37%)	$184,800 (+13.44%)	$228,600 (+40.33%) Land $23,300 Building $205,300
2025	$2,452.00 (+3.59%) Homeowner's exemption	$162,900 (+3.56%) Land $23,300 Building $139,600	$162,900 (-) Land $23,300 Building $139,600
2023	$2,367.00 Homeowner's exemption	$157,300	$162,900 Land $23,300 Building $139,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF OAKLAND serves 1,850 people · EPA ID MD0110008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 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

May also be available: Mountain Communications, T-Mobile, Verizon, Xfinity.

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