709 E Oak St, Oakland, MD 21550 Property Records

Garrett County property record for 709 E Oak St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,944 sqft · built 1922
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 2022)
Tax Bill	$1,981 (2023)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-005391`

Property Details

APN / Parcel Number

Primary APN	`17-005391`
Alternative APN	`005391`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,944 sqft Total Area
1st Floor Area	972 sqft

Exterior

Year Built	Built 1922
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.269 acres)
Garage Type	Mixed
Garage Area	320 sqft
Carport	Carport
Carport Area	324 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	128 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	005391
Street Address	709 E OAK ST
City	OAKLAND
State	MD
Zip	21550-1614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	0.27 AC 709 E OAK ST OAKLAND
Legal Subdivision	BRANTS ADD
Jurisdiction	GARRETT MD
Township / Civil Division	7, EAST OAKLAND
Census Block Group	2
Census Block	2063
Census Tract	601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oakland Historic District listed 1984 · 175 contributing resources · NRIS 84001798

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Garrett County records, as of September 20, 2023

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	709 E OAK ST, OAKLAND, MD 21550-1614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed, Transfer · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC
Jun 28, 2019	Deed, Transfer · Conventional Mortgage USAA FSB
Mar 7, 2017	Grant Deed, Transfer · Conventional Mortgage FIRST MTG SVCS GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on Record
Deed Sale	Sep 12, 2022 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	0002442313
Deed Book / Page	2442 / 313
Record Updated	Jun 7, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 12, 2022
Property Address	709 E OAK ST, OAKLAND, MD 21550-1614
Document Number	0024420313
Book / Page	2442 / 313
Instrument Date	Sep 7, 2022
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	LAKE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 E OAK ST, OAKLAND, MD 21550-1614

Mortgage

Document Number	0024420320
Date	Sep 12, 2022
Instrument	2442-0320

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	0024420337
Date	Sep 12, 2022
Book Page	2442/337

Lender

Name	GARRETT COUNTY COMMUNITY ACTION COMMITTE
Type	Non-Lending Institution
Address	OAKLAND, MD 21550

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jun 28, 2019
Property Address	709 E OAK ST, OAKLAND, MD 21550-1614
Document Number	0021410353
Book / Page	2141 / 0353
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 E OAK ST, OAKLAND, MD 21550-1614

Mortgage

Document Number	0002141359
Date	Jun 28, 2019
Instrument	2141/359

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 7, 2017
Property Address	709 E OAK ST, OAKLAND, MD 21550-1614
Document Number	0019940081
Book / Page	001994 / 000081
Instrument Date	Mar 2, 2017
Transaction Type	Transfer
Record Updated	Apr 21, 2017
Title Company	DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	133 BLUELAKE BLVD POOLER GA 313229626, POOLER, GA 31322-9626

Mortgage

Document Number	19940084
Date	Mar 7, 2017
Book Page	001994/000084

Lender

Name	FIRST MTG SVCS GROUP INC
Address	CUMBERLAND, MD 21502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2047

Tax Assessment & Valuation

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

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
2023	$1,981.00 (+14.84%)	$120,833 (+14.86%)	$152,100 (+44.58%) Land $23,400 Building $128,700
2022	$1,725.00	$105,200 Land $23,400 Building $81,800	$105,200 Land $23,400 Building $81,800

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	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)
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40

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

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