652 Hutton Rd, Oakland, MD 21550 Property Records

Garrett County property record for 652 Hutton Rd, Oakland, MD 21550

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,728 sqft · built 1912
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Dec 2023)
Tax Bill	$1,429 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-006044`

Property Details

APN / Parcel Number

Primary APN	`14-006044`
Alternative APN	`006044`

Interior

Units	2 Units
Stories	1 Story
Building Area	1,728 sqft Total Area
1st Floor Area	5,528 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Block
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	69,696 sqft (1.6 acres)
Porch	Porch
Porch Area	60 sqft
Loading Dock	99 sqft

Utilities, Heating & Cooling

Heating System	Steam
Sewer	Connected

Location & Zoning

Account Number	006044
Street Address	652 HUTTON RD
City	OAKLAND
State	MD
Zip	21550-5210
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	1.60 AC W/S HUTTON RD HUTTON
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	2
Census Block	2016
Census Tract	602

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	652 HUTTON RD, OAKLAND, MD 21550-5210
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Oct 8, 2010 · Amount on Record
Deed Book / Page	2531 / 287
Prior Transfer Date	Dec 22, 2023
Prior Transfer Doc	0025310295
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Dec 28, 2023
Property Address	652 HUTTON RD, OAKLAND, MD 21550-5210
Document Number	0025310287
Book / Page	2531 / 287
Instrument Date	Dec 22, 2023
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	LAKE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Tax Sale
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 HUTTON RD, OAKLAND, MD 21550-5210

Mortgage

Document Number	0025310295
Date	Dec 28, 2023
Book Page	2531/295

Lender

Name	FIRST EXCHANGE BANK
Type	Bank
Address	MORGANTOWN, WV 26508

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 22, 2048

Tax Assessment & Valuation

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	$1,429.00 (+15.71%)	$128,533 (+17.81%)	$167,400 (+53.44%) Land $26,200 Building $141,200
2025	$1,235.00 (+6.83%)	$109,100 (+10.17%) Land $26,200 Building $82,900	$109,100 (-) Land $26,200 Building $82,900
2023	$1,156.00	$99,033	$109,100 Land $26,200 Building $82,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	6 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jul 2017 · river or lake flooding

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

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	0.02% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40

Cell Coverage

5G (outdoors only) and 4G LTE

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