653 Painter School Rd, Swanton, MD 21561 Property Records

Garrett County property record for 653 Painter School Rd, Swanton, MD 21561

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,218 sqft · built 2000
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$577 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-090227`

Property Details

APN / Parcel Number

Primary APN	`01-090227`
Alternative APN	`090227`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,218 sqft Total Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Porch	Porch
Porch Area	544 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	090227
Street Address	653 PAINTER SCHOOL RD
City	SWANTON
State	MD
Zip	21561-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.00 AC SW/S PAINTER SCHOOL RD SWANTON
Jurisdiction	GARRETT MD
Township / Civil Division	1, SWANTON
Census Block Group	1
Census Block	1051
Census Tract	501

Owner

653 Painter School Rd is owned and occupied by an individual who acquired it in August 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	653 PAINTER SCHOOL RD, SWANTON, MD 21561-1251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST CO
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLEAR MOUNTAIN BANK
Aug 25, 2021	Intrafamily Transfer, Transfer · ARM FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 12, 2021
Transfer Doc	0023440478
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	653 PAINTER SCHOOL RD, SWANTON, MD 21561-1251
Transaction Type	Mortgage
Record Updated	Jan 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 PAINTER SCHOOL RD, SWANTON, MD 21561-1251

Mortgage

Document Number	0025330306
Date	Jan 12, 2024
Book Page	2533/306

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	OAKLAND, MD 21550

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	653 PAINTER SCHOOL RD, SWANTON, MD 21561-1251
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021880244
Date	Feb 19, 2020
Book Page	2188/0244

Lender

Name	CLEAR MOUNTAIN BANK
Type	Bank
Address	BRUCETON MILLS, WV 26525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2030

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	11%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRETT MD
Recording Date	Aug 25, 2021
Property Address	653 PAINTER SCHOOL RD, SWANTON, MD 21561-1251
Document Number	0023440478
Book / Page	2344 / 478
Map Reference	FILE 747
Instrument Date	Aug 12, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND TITLE CENTER LLC

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
Relationship	Joint Tenants with Right of Survivorship
Address	653 PAINTER SCHOOL RD, SWANTON, MD 21561-1251

Mortgage

Document Number	0002344481
Date	Aug 25, 2021
Instrument	2344/481

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Margin	3
Max Rate	9.62%

Tax Assessment & Valuation

The 2026 property tax bill for 653 Painter School Rd was $577 with a homeowner's exemption, up 1.1% 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	$577.00 (+1.05%) Homeowner's exemption	$62,467 (+1.68%)	$63,500 (-) Land $24,000 Building $39,500
2025	$571.00 Homeowner's exemption	$61,433	$63,500 Land $24,000 Building $39,500
2023	$549.00 Homeowner's exemption	$53,333	$60,400 Land $31,100 Building $29,300

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

Flood

FEMA maps place 653 Painter School Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 653 Painter School 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Pogozone powered by Neubeam Fixed Wireless	300 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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