Garrett County property record for 645 Summit Dr, Swanton, MD 21561
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,496 sqft · built 1989 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,770 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-038692 |
| Primary APN | 18-038692 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,496 sqft Total Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| Deck Area | 428 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 038692 |
|---|---|
| Street Address | 645 SUMMIT DR |
| City | SWANTON |
| State | MD |
| Zip | 21561-2067 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 1.40 AC LOT 33 SKY VALLEY EAST SUB |
| Legal Subdivision | SKY VALLEY EAST SUB |
| Legal Lot Number | 33 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 1, SWANTON |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 501 |
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 | 1320 SPRING GLADE RD, FAIRBANKS, AK 99709-6892 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 645 SUMMIT DR, SWANTON, MD 21561 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0022400001 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 2240/1 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
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 | $3,770.00 (-0.95%) | $336,367 (+0.83%) | $341,900 (+2.49%) Land $114,000 Building $227,900 |
| 2025 | $3,806.00 (+30.61%) | $333,600 (+35.1%) Land $114,000 Building $219,600 | $333,600 (-) Land $114,000 Building $219,600 |
| 2023 | $2,914.00 | $246,933 | $333,600 Land $114,000 Building $219,600 |
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 · 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 | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 76% 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 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Pogozone powered by Neubeam.
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