503 Tower St, Oakland, MD 21550 Property Records

Garrett County property record for 503 Tower St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1 ba · 856 sqft · built 1939
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$132,000 (Apr 2023)
Tax Bill	$1,368 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Mar 2023 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-011553`

Property Details

APN / Parcel Number

Primary APN	`17-011553`
Alternative APN	`011553`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	856 sqft Total Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Deck Area	72 sqft
Patio Area	202 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	011553
Street Address	503 TOWER ST
City	OAKLAND
State	MD
Zip	21550-1840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	1.00 AC W/S TOWER ST OAKLAND
Legal Subdivision	TOTTENS ADD
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	3
Census Block	3047
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	503 TOWER ST, OAKLAND, MD 21550-1840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed, Subdivision Related Transfer · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC
Mar 15, 2023	Trustee's Deed, Foreclosure · Stand-Alone First Mortgage DAVID EDLAVITCH
May 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2023 · Amount on Record
Deed Sale	Apr 18, 2023 · Amount on Record
Prior Sale	Apr 2, 2001 · Amount on Record
Deed Book / Page	2484 / 349
Record Updated	Oct 29, 2026

April 2023: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 18, 2023
Property Address	503 TOWER ST, OAKLAND, MD 21550-1840
Document Number	0024840349
Book / Page	2484 / 349
Map Reference	LB WHT 7 FO 324
Instrument Date	Apr 7, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	May 4, 2023
Title Company	NOT AVAILABLE, BRENNAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	503 TOWER ST, OAKLAND, MD 21550-1840

Mortgage

Document Number	0024840356
Date	Apr 18, 2023
Instrument	2484-0356

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2053

March 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 15, 2023
Property Address	503 TOWER ST, OAKLAND, MD 21550-1840
Document Number	0024770472
Book / Page	2477 / 472
Instrument Date	Mar 6, 2023
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023
Title Company	NOT AVAILABLE, BRENNAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10308 BRISTOLWOOD CT, LAUREL, MD 20708-3115

Mortgage

Document Number	0024770476
Date	Mar 15, 2023
Instrument	2477-0476

Lender

Name	DAVID EDLAVITCH
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	503 TOWER ST, OAKLAND, MD 21550-1840
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020710221
Date	May 8, 2018
Book Page	2071/0221

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2043

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	$1,368.00 (+5.39%) Homeowner's exemption	$101,433 (+28.13%)	$129,700 (+48.57%) Land $28,500 Building $101,200
2023	$1,298.00 (+5.44%) Homeowner's exemption	$79,167 (+5.42%)	$87,300 (+16.25%) Land $28,500 Building $58,800
2022	$1,231.00 Homeowner's exemption	$75,100 Land $28,500 Building $46,600	$75,100 Land $28,500 Building $46,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40

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

Cell Coverage

5G (outdoors only) and 4G LTE

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