511 E St, Mountain Lake Park (Oakland), MD 21550 Property Records

Garrett County property record for 511 E St, Mountain Lake Park, MD 21550

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,820 sqft · built 1945
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Aug 2018)
Tax Bill	$2,389 (2026)
Deeds & Mortgages	May 2021 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-010235`

Property Details

APN / Parcel Number

Primary APN	`16-010235`
Alternative APN	`010235`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,820 sqft Total Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Porch	Porch
Porch Area	144 sqft
Deck Area	36 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	010235
Street Address	511 E ST
City	OAKLAND
State	MD
Zip	21550-3209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 4029 P/O LOT 403 511 E ST MT LAKE PARK
Legal Subdivision	MOUNTAIN LAKE PARK
Legal Lot Number	4029
Jurisdiction	GARRETT MD
Township / Civil Division	16, MOUNTAIN LAKE PARK
Census Block Group	3
Census Block	3033
Census Tract	700

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	Individual Name on Record
Mailing Address	511 E ST, OAKLAND, MD 21550-3209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage VELLUM MORTGAGE LLC
Jul 27, 2018	Deed of Trust, Mortgage · Conventional with PMI FIRST HM MTG CORP
Aug 6, 2018	Grant Deed, Transfer · Conventional Mortgage GARRETT CNTY CMNTY ACTION COMM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2018 · Amount on Record
Deed Sale	Aug 6, 2018 · Amount on Record
Prior Sale	Sep 30, 2003 · Amount on Record
Deed Book / Page	2086 / 482
Prior Transfer Date	May 18, 2007
Prior Transfer Doc	0013490211
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	511 E ST, MT LAKE PARK, MD 21550-3209
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SMART SETTLEMENT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023070271
Date	May 3, 2021
Book Page	2307/271

Lender

Name	VELLUM MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	511 E ST, MT LAKE PARK, MD 21550-3209
Document Number	0020860487
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	511 E ST OAKLAND MD 215503209, OAKLAND, MD 21550-3209

Mortgage

Document Number	0020860487
Date	Aug 6, 2018
Book Page	002086/000487

Lender

Name	FIRST HM MTG CORP
Address	BALTIMORE, MD 21236

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2048

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Aug 6, 2018
Property Address	511 E ST, MT LAKE PARK, MD 21550-3209
Document Number	0020860482
Book / Page	002086 / 000482
Instrument Date	Jul 6, 2018
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 E ST MT MNT LAKE PARK MD 21550, MNT LAKE PARK, MD 21550

Mortgage

Document Number	20860503
Date	Aug 6, 2018
Book Page	002086/000503

Lender

Name	GARRETT CNTY CMNTY ACTION COMM
Address	104 E CENTER ST, OAKLAND, MD 21550-1307

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	10%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,389.00 (-0.54%)	$161,167 (+1.11%)	$164,700 (+3.32%) Land $16,200 Building $148,500
2025	$2,402.00 (+10.84%)	$159,400 (+15.62%) Land $16,200 Building $143,200	$159,400 (-) Land $16,200 Building $143,200
2023	$2,167.00	$137,867	$159,400 Land $16,200 Building $143,200

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 MOUNTAIN LAKE PARK serves 3,000 people · EPA ID MD0110007
Water Source	Groundwater
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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