707 E High St, Oakland, MD 21550 Property Records

Garrett County property record for 707 E High St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,362 sqft · built 1952
Lot Size	1.06 acres (46,173 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Nov 2011)
Tax Bill	$4,690 (2025)
Deeds & Mortgages	Mar 2017 Loan Modification Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-003208`

Property Details

APN / Parcel Number

Primary APN	`17-003208`
Alternative APN	`003208`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,362 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	46,173 sqft (1.06 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	003208
Street Address	707 E HIGH ST
City	OAKLAND
State	MD
Zip	21550-1600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	46173 SQ FT 707 E HIGH ST OAKLAND
Jurisdiction	GARRETT MD
Township / Civil Division	7, EAST OAKLAND
Census Block Group	2
Census Block	2036
Census Tract	601

Owner

Source: Garrett County assessment roll, as of August 12, 2025

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

Owner of Record	Individual Name on File
Mailing Address	707 E HIGH ST, OAKLAND, MD 21550-1600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2017	Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK
Mar 22, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 29, 2011 · Amount on Record
Deed Sale	Nov 29, 2011 · Amount on Record
Deed Book / Page	1625 / 27
Prior Transfer Date	Dec 5, 2008
Prior Transfer Doc	0014030464
Record Updated	Jun 8, 2026

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GARRETT MD
Property Address	707 E HIGH ST, OAKLAND, MD 21550-1600
Document Number	0020030331
Instrument Date	Mar 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 E HIGH ST OAKLAND MD 215501600, OAKLAND, MD 21550-1600

Mortgage

Document Number	0020030331
Date	May 1, 2017
Book Page	002003/000331

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2047

Interest

Rate	4.25%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	707 E HIGH ST, OAKLAND, MD 21550-1600
Document Number	0020000028
Book / Page	002000 / 000028
Instrument Date	Mar 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 27, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 E HIGH ST OAKLAND MD 215501600, OAKLAND, MD 21550-1600

Mortgage

Document Number	0020000028
Date	Apr 12, 2017
Book Page	002000/000028

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2047

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Municipality	Oakland Town
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,690.00 (+11.61%)	$292,400 (+14.1%) Land $28,500 Building $263,900	$292,400 (-) Land $28,500 Building $263,900
2023	$4,202.00	$256,267	$292,400 Land $28,500 Building $263,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

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

Water System	TOWN OF OAKLAND serves 1,850 people · EPA ID MD0110008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Cable	1,000 / 50
Declaration Networks Group Fixed Wireless	300 / 40

May also be available: Mountain Communications, T-Mobile USA, Verizon, Xfinity.

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