517 E Alder St, Oakland, MD 21550 Property Records

Garrett County property record for 517 E Alder St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,526 sqft · built 1920
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jun 2023)
Tax Bill	$3,466 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-002732`

Property Details

APN / Parcel Number

Primary APN	`17-002732`
Alternative APN	`002732`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,526 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Porch	Slab
Porch Area	528 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	002732
Street Address	517 E ALDER ST
City	OAKLAND
State	MD
Zip	21550-1603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.25 AC 517 E ALDER ST OAKLAND
Legal Subdivision	BRANTS ADD
Jurisdiction	GARRETT MD
Township / Civil Division	7, EAST OAKLAND
Census Block Group	2
Census Block	2042
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	Individual Name on Record
Mailing Address	517 E ALDER ST, OAKLAND, MD 21550-1603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed, Transfer · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC
Feb 22, 2017	Grant Deed, Transfer DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC
Feb 13, 2017	Deed of Trust, Mortgage DEKRAAI & ASSOCIATES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023 · Amount on Record
Deed Sale	Jun 14, 2023 · Amount on Record
Prior Sale	Feb 22, 2017 · Amount on Record
Deed Book / Page	2494 / 407
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jun 14, 2023
Property Address	517 E ALDER ST, OAKLAND, MD 21550-1603
Document Number	0024940407
Book / Page	2494 / 407
Map Reference	LB 2 FO 502
Instrument Date	Jun 12, 2023
Transaction Type	Transfer
Record Updated	Jul 6, 2023
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	$1,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E ALDER ST, OAKLAND, MD 21550-1603

Mortgage

Document Number	0024940412
Date	Jun 14, 2023
Instrument	2494-0412

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Feb 22, 2017
Property Address	517 E ALDER ST, OAKLAND, MD 21550-1603
Document Number	0019910259
Book / Page	001991 / 000259
Instrument Date	Feb 17, 2017
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Confirmed
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	1807 EASTERN AVE BALTIMORE MD 212312523, BALTIMORE, MD 21231-2523

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	517 E ALDER ST, OAKLAND, MD 21550-1603
Document Number	0020050375
Book / Page	002005 / 000375
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E ALDER ST OAKLAND MD 215501603, OAKLAND, MD 21550-1603

Mortgage

Document Number	0020050375
Date	May 10, 2017
Book Page	002005/000375

Lender

Name	DEKRAAI & ASSOCIATES INC
Address	2727 E 21ST ST # 310, TULSA, OK 74114-3534

Agreement

Amount	Amount Recorded
Term	36 Months
Due	May 9, 2020

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	$3,466.00 (+11.91%)	$218,833 (+15.85%)	$226,300 (+5.21%) Land $23,300 Building $203,000
2023	$3,097.00 (+7.42%)	$188,900 (+7.45%)	$215,100 (+22.35%) Land $23,300 Building $191,800
2022	$2,883.00	$175,800 Land $23,300 Building $152,500	$175,800 Land $23,300 Building $152,500

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 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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