515 Winding Estates Dr, Mc Henry, MD 21541 Property Records

Garrett County property record for 515 Winding Estates Dr, Mc Henry, MD 21541

Property Summary

Property Type	Residential Vacant Land
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$1,100,000 (Feb 2026)
Tax Bill	$1,139 (2025)
Deeds & Mortgages	Feb 2026 Sale May 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-090290`

Property Details

APN / Parcel Number

Primary APN	`18-090290`
Alternative APN	`090290`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	090290
Street Address	515 WINDING ESTATES DR
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	43560 SQ FT LOT 37 LAGO VISTA SUB
Legal Subdivision	LAGO VISTA SUB
Legal Lot Number	37
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2026
Census Tract	502

Owner

515 Winding Estates Dr, residential vacant land, is owned by an individual who bought it in February 2026.

Source: Garrett County records, as of March 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	322 BOWER HILL RD, VENETIA, PA 15367-1305
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed, Transfer DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP
May 8, 2024	Deed of Trust, Mortgage · Construction Mortgage MILLENNIUM FINANCIAL GROUP INC
Mar 1, 2024	Deed, Transfer NOT AVAILABLE, LAKE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on File
Deed Sale	Feb 26, 2026 · Amount on File
Prior Sale	Mar 1, 2024 · Amount on File
Deed Document Number	0002668494
Deed Book / Page	2668 / 494
Record Updated	Jun 8, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Feb 26, 2026
Property Address	515 WINDING ESTATES DR, MC HENRY, MD 21541
Document Number	0026680494
Book / Page	2668 / 494
Map Reference	FILE 3 PG 580A&B
Instrument Date	Feb 13, 2026
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$5,500.00
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	322 BOWER HILL RD, VENETIA, PA 15367-1305

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	515 WINDING ESTATES DR, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 BUCKTAIL DR, CRANBERRY TWP, PA 16066-3463

Mortgage

Document Number	0025500278
Date	May 8, 2024
Book Page	2550/278

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution
Address	MIDDLETOWN, MD 21769

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.1%

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 1, 2024
Property Address	515 WINDING ESTATES DR, MC HENRY, MD 21541
Document Number	0025390365
Book / Page	2539 / 365
Map Reference	CASE TWM FILE3 PG508
Instrument Date	Feb 27, 2024
Transaction Type	Transfer
Record Updated	Mar 19, 2024
Title Company	NOT AVAILABLE, LAKE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 BUCKTAIL DR, CRANBERRY TOWNSHIP, PA 16066-3463

Tax Assessment & Valuation

The 2025 property tax bill for 515 Winding Estates Dr was $1,139.

Source: Garrett County assessment roll, as of July 1, 2025

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
2025	$1,139.00	$88,900 Land $88,900	$88,900 Land $88,900
2023	$1,189.00	$88,900 Land $88,900	$88,900 Land $88,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 515 Winding Estates 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

Wildfire risk around 515 Winding Estates Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Pogozone powered by Neubeam Fixed Wireless	300 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: Mountain Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Winding Estates Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures