653 Fern Loop Dr, Mc Henry, MD 21541 Property Records

Garrett County property record for 653 Fern Loop Dr, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	6 ba · 2,184 sqft · built 2022
Lot Size	0.663 acres (28,907 sqft)
Owner	Company Name on Record
Last Sale	$999,900 (Sep 2023)
Tax Bill	$9,926 (2023)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-085399`

Property Details

APN / Parcel Number

Primary APN	`18-085399`
Alternative APN	`085399`

Interior

Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,184 sqft Total Area
Basement Area	1,456 sqft
Finished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	28,907 sqft (0.663 acres)
Porch	Open Porch
Deck Area	360 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	085399
Street Address	653 FERN LOOP DR
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28907 SQ FT LOT 16 SANDY SHORES HEIGHTS
Legal Subdivision	SANDY SHORES HEIGHTS
Legal Lot Number	16
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2026
Census Tract	502

Owner

Source: Garrett County records, as of September 22, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	5136 CHOWAN AVE, ALEXANDRIA, VA 22312-2005
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage HOME SAVINGS & TRUST MORTGAGE
Sep 6, 2023	Deed, Transfer · Conventional Mortgage HOME SAVINGS & TRUST MORTGAGE
Dec 4, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Dec 4, 2020
Deed Document Number	0002510257
Deed Book / Page	2510 / 257
Record Updated	Jun 7, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	653 FERN LOOP DR, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5136 CHOWAN AVE, ALEXANDRIA, VA 22312-2005

Mortgage

Document Number	0025230437
Date	Nov 9, 2023
Book Page	2523/437

Lender

Name	HOME SAVINGS & TRUST MORTGAGE
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2053

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 6, 2023
Property Address	653 FERN LOOP DR, MC HENRY, MD 21541
Document Number	0025100257
Book / Page	2510 / 257
Map Reference	CASE DKM 3 PG 269
Instrument Date	Aug 30, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,999.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5136 CHOWAN AVE, ALEXANDRIA, VA 22312-2005

Mortgage

Document Number	0025100261
Date	Sep 6, 2023
Instrument	2510-0261

Lender

Name	HOME SAVINGS & TRUST MORTGAGE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Dec 4, 2020
Property Address	653 FERN LOOP DR, MC HENRY, MD 21541
Document Number	0022630420
Book / Page	002263 / 000420
Instrument Date	Dec 1, 2020
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 E PENN ST UNIONTOWN PA 154013414, UNIONTOWN, PA 15401-3414

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 1, 2023

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
2023	$9,926.00	$741,900	$991,700 Land $101,900 Building $889,800

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000
Pogozone powered by Neubeam Fixed Wireless	300 / 40

Cell Coverage

5G (outdoors only) and 4G LTE

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