729 E Oak St, Oakland, MD 21550 Property Records

Garrett County property record for 729 E Oak St, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,170 sqft · built 1940
Lot Size	0.187 acres (8,151 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Sep 2026)
Tax Bill	$1,584 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-002686`

Property Details

APN / Parcel Number

Primary APN	`17-002686`
Alternative APN	`002686`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,151 sqft (0.187 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	330 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	002686
Street Address	729 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	0.19 A 729 E OAK ST OAKLAND
Legal Block	2
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 14, 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	729 E OAK ST, OAKLAND, MD 21550-1614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2026 · Amount on Record
Deed Sale	Sep 2, 2026 · Amount on Record
Prior Sale	Nov 24, 2004 · Amount on Record
Deed Book / Page	2708 / 266
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 2, 2026
Property Address	729 E OAK ST, OAKLAND, MD 21550-1614
Document Number	2708000266
Book / Page	2708 / 266
Instrument Date	Aug 26, 2026
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	THE SECURITY TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	729 E OAK ST, OAKLAND, MD 21550-1614

Mortgage

Document Number	2708000272,
Date	Sep 2, 2026
Book Page	2708/272

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	2708000296,
Date	Sep 2, 2026
Book Page	2708/296

Lender

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 27, 2026

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
2026	$1,584.00 (+0.96%)	$110,733 (+4.56%)	$120,400 (+13.69%) Land $17,400 Building $103,000
2025	$1,569.00 (+4.25%) Homeowner's exemption	$105,900 (+13.26%) Land $17,400 Building $88,500	$105,900 (-) Land $17,400 Building $88,500
2023	$1,505.00 Homeowner's exemption	$93,500	$105,900 Land $17,400 Building $88,500

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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