Garrett County property record for 522 E Oak St, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,802 sqft · built 1900 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $73,000 (Jul 2003) |
| Tax Bill | $3,798 (2025) |
| Deeds & Mortgages | Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-005286 |
| Primary APN | 17-005286 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,802 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 21,780 sqft (0.5 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 958 sqft |
| Deck Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 1,440 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 005286 |
|---|---|
| Street Address | 522 E OAK ST |
| City | OAKLAND |
| State | MD |
| Zip | 21550-1648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 0.50 AC 522 E OAK ST OAKLAND |
| Legal Subdivision | BRANTS ADD |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 7, EAST OAKLAND |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 601 |
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.
Source: Garrett County records, as of August 12, 2025
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 | 75 RETRIEVER RD, PARSONS, WV 26287-9080 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2003 · Amount on Record |
| Deed Sale | Jul 3, 2003 · Amount on Record |
| Prior Sale | Aug 11, 2000 |
| Deed Document Number | 20032234 |
| Deed Book / Page | 980 / 711 |
| Last Transfer Date | Jun 1, 2005 |
| Transfer Doc | 0011300428 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 522 E OAK ST, OAKLAND, MD 21550-1648 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0021050318 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | 2105/0318 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Garrett County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Municipality | Oakland Town |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,798.00 (+15.9%) | $236,800 (+18.48%) Land $25,000 Building $211,800 | $236,800 (-) Land $25,000 Building $211,800 |
| 2023 | $3,277.00 | $199,867 | $236,800 Land $25,000 Building $211,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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