74 Laurel Ln, Swanton, MD 21561 Property Records

Garrett County property record for 74 Laurel Ln, Swanton, MD 21561

Property Summary

Property Type	Single Family Home
Lot Size	4.59 acres (2 sqft)
Owner	Individual Name on Record
Last Sale	$1,220,000 (Oct 2020)
Tax Bill	$4,963 (2023)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-000733`

Property Details

APN / Parcel Number

Primary APN	`18-000733`
Alternative APN	`000733`

Interior

Fireplace	Fireplace

Exterior

Lot Area	2 sqft (4.59 acres)
Garage Type	Detached
Garage Area	1,020 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	000733
Street Address	74 LAUREL LN
City	SWANTON
State	MD
Zip	21561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	1.79 A W/67' LF LOT 5 WM B JASPERT SUB
Legal Subdivision	JASPERT SUB
Legal Lot Number	5
Jurisdiction	GARRETT MD
Township / Civil Division	1, SWANTON
Census Block Group	1
Census Block	1025
Census Tract	500

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
Co-owner	Co-owner on Record
Mailing Address	728 PEARSON POINT PL, ANNAPOLIS, MD 21401-4524
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST
Sep 2, 2020	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	Sep 2, 2020 · Amount on Record
Deed Document Number	0002252397
Deed Book / Page	2252 / 397
Record Updated	Jun 7, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Oct 30, 2020
Property Address	LAUREL LN, SWANTON, MD 21561
Document Number	0022520397
Book / Page	2252 / 397
Map Reference	MB 2 FO 160
Instrument Date	Oct 5, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MARYLAND TITLE CENTER LLC

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	728 PEARSON POINT PL, ANNAPOLIS, MD 21401-4524

Mortgage

Document Number	0002252403
Date	Oct 30, 2020
Instrument	2252/403

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2035
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.75%
Index	1-Year CMT
Margin	3
Max Rate	9.75%

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 2, 2020
Property Address	LAUREL LN, SWANTON, MD 21561
Document Number	0022310278
Book / Page	2231 / 278
Instrument Date	Aug 21, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MARYLAND TITLE CENTER LLC

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	728 PEARSON POINT PL, ANNAPOLIS, MD 21401-4524

Mortgage

Document Number	0002231285
Date	Sep 2, 2020
Instrument	2231/285

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2035
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.75%
Index	1-Year CMT
Margin	3
Max Rate	9.75%

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	$4,963.00	$400,933	$464,400 Land $364,000 Building $100,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1985–1996)
Most Recent Claim	Jul 1996 · rainfall accumulation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Pogozone powered by Neubeam, Verizon.

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