Garrett County property record for 577 Penn Point Rd, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 988 sqft · built 1998 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $56,527 (Aug 1998) |
| Tax Bill | $1,675 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Sep 2021 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-013259 |
| Primary APN | 10-013259 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 988 sqft Total Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Deck Area | 231 sqft |
| Shed | 1 Shed |
| Shed Area | 896 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 013259 |
|---|---|
| Street Address | 577 PENN POINT RD |
| City | OAKLAND |
| State | MD |
| Zip | 21550-7067 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.00 AC LOT 2 SAWMILL SUB |
| Legal Subdivision | SAWMILL SUB |
| Legal Lot Number | 2 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 10, DEER PARK |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 502 |
577 Penn Point Rd is owned and occupied by two individuals who bought it in August 1998.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 577 PENN POINT RD, OAKLAND, MD 21550-7067 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CLEAR MOUNTAIN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 1998 · Amount on File |
| Deed Sale | Aug 3, 1998 · Amount on File |
| Deed Document Number | 1998891 |
| Deed Book / Page | 745 / 407 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Jun 17, 2026 |
| Property Address | 577 PENN POINT RD, OAKLAND, MD 21550-7067 |
| Document Number | 2691000359 |
| Book / Page | 2691 / 359 |
| Instrument Date | Jun 9, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 577 PENN POINT RD, OAKLAND, MD 21550-7067 |
| Document Number | 2691000359, |
|---|---|
| Date | Jun 17, 2026 |
| Book Page | 2691/359 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 6, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 577 PENN POINT RD, OAKLAND, MD 21550-7067 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 377 PENN POINT RD, OAKLAND, MD 21550 |
| Document Number | 0023530491 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 2353/491 |
| Name | CLEAR MOUNTAIN BANK |
|---|---|
| Type | Bank |
| Address | BRUCETON MILLS, WV 26525 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
The 2026 property tax bill for 577 Penn Point Rd was $1,675, up 5.5% from the year before.
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,675.00 (+5.55%) | $148,000 (+7.58%) Land $38,500 Building $109,500 | $148,000 (-) Land $38,500 Building $109,500 |
| 2025 | $1,587.00 | $137,567 | $148,000 Land $38,500 Building $109,500 |
| 2023 | $1,393.00 | $116,700 Land $38,000 Building $78,700 | $116,700 Land $38,000 Building $78,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 577 Penn Point Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2026 · rainfall accumulation |
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 risk around 577 Penn Point Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 74% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
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