593 Kempton Rd, Oakland, MD 21550 Property Records

Garrett County property record for 593 Kempton Rd, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1 ba · 828 sqft · built 2014
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$3,000 (Sep 2005)
Tax Bill	$652 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-002517`

Property Details

APN / Parcel Number

Primary APN	`08-002517`
Alternative APN	`002517`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	828 sqft Total Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Porch	Slab
Porch Area	500 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	002517
Street Address	593 KEMPTON RD
City	OAKLAND
State	MD
Zip	21550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.27 AC LOTS 95 & 96 KEMPTON
Legal Subdivision	TOWN/KEMPTON
Legal Lot Number	95,96
Jurisdiction	GARRETT MD
Township / Civil Division	8, RED HOUSE
Census Block Group	1
Census Block	1064
Census Tract	700

Owner

593 Kempton Rd is owned by two individuals who acquired it in November 2025.

Source: Garrett County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4704 GEORGE WASHINGTON HWY, OAKLAND, MD 21550-5807
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 13, 2025	Intrafamily Transfer, Transfer
May 26, 2020	Grant Deed, Transfer · Conventional Mortgage MINERS & MERCHANTS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2005 · Amount on File
Deed Sale	Sep 9, 2005 · Amount on File
Deed Document Number	200551716
Deed Book / Page	1155 / 205
Last Transfer Date	Nov 7, 2025
Transfer Doc	0026490308
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Recording Date	Jun 2, 2026
Property Address	593 KEMPTON RD, OAKLAND, MD 21550
Document Number	2687000496
Book / Page	2687 / 496
Instrument Date	May 14, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	593 KEMPTON RD, OAKLAND, MD 21550

Mortgage

Document Number	2687000496,
Date	Jun 2, 2026
Book Page	2687/496

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRETT MD
Recording Date	Nov 13, 2025
Property Address	593 KEMPTON RD, OAKLAND, MD 21550
Document Number	0026490308
Book / Page	2649 / 308
Map Reference	DR L FILE 19
Instrument Date	Nov 7, 2025
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4704 GEORGE WASHINGTON HWY, OAKLAND, MD 21550-5807

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	May 26, 2020
Property Address	593 KEMPTON RD, OAKLAND, MD 21550
Document Number	0022070041
Book / Page	002207 / 000041
Instrument Date	May 21, 2020
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19304 DOGSTREET RD KEEDYSVILLE MD 217561317, KEEDYSVILLE, MD 21756-1317

Mortgage

Document Number	22070047
Date	May 26, 2020
Book Page	002207/000047

Lender

Name	MINERS & MERCHANTS BK
Type	Bank
Address	BAYARD, WV 26707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 593 Kempton Rd was $652, up 6.4% from the year before.

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

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
2026	$652.00 (+6.36%)	$53,300 (+9%) Land $4,400 Building $48,900	$53,300 (-) Land $4,400 Building $48,900
2025	$613.00	$48,900	$53,300 Land $4,400 Building $48,900
2023	$528.00	$40,100 Land $3,100 Building $37,000	$40,100 Land $3,100 Building $37,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 593 Kempton Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1994.

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	2 in force
Nearby Flood Claims	12 (1994–2019)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jun 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jan 1996 · 3 claims

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 593 Kempton Rd is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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