Garrett County property record for 74 Wanderer Ln, #E4, Oakland, MD 21550
| Property Type | Condominium |
|---|---|
| Details | built 1977 |
| Owner | Individual Name on Record |
| Last Sale | $695,000 (Jul 2022) |
| Tax Bill | $5,091 (2023) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-027577 |
| Primary APN | 18-027577 |
|---|---|
| Alternative APN |
|
| Fireplace | Fireplace |
|---|
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Condo/Apartment |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 027577 |
|---|---|
| Street Address | 74 WANDERER LN # E4, E4 |
| City | OAKLAND |
| State | MD |
| Zip | 21550-7012 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R |
| Legal Description | UNIT E-4 CONDOMINIUMS PHASE 2 FOUR HOOPPOLE SOUTH |
| Legal Subdivision | FOUR HOOPPOLE SOUTH CONDO |
| Legal Phase | 2 |
| Legal Lot Number | F 4 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 10, DEER PARK |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 502 |
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 | 2316 CARRIAGE FORD RD, CATLETT, VA 20119-2208 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · ARM MILLENNIUM FINANCIAL GROUP INC |
| Jul 6, 2022 | Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Nov 12, 2020 | Deed, Transfer · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2022 · Amount on Record |
| Deed Sale | Jul 6, 2022 · Amount on Record |
| Prior Sale | Nov 12, 2020 · Amount on Record |
| Deed Document Number | 0002429475 |
| Deed Book / Page | 2429 / 475 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 74 WANDERER LN # E4, E4, OAKLAND, MD 21550-7012 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0022810444 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 2281/444 |
| Name | MILLENNIUM FINANCIAL GROUP INC |
|---|---|
| Type | Lending Institution |
| Address | MIDDLETOWN, MD 21769 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Jul 6, 2022 |
| Property Address | 74 WANDERER LN # E4, E4, OAKLAND, MD 21550-7012 |
| Document Number | 0024290475 |
| Book / Page | 2429 / 475 |
| Map Reference | LB 327 PG 392 |
| Instrument Date | Jul 1, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2022 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2316 CARRIAGE FORD RD, CATLETT, VA 20119-2208 |
| Document Number | 0024290478 |
|---|---|
| Date | Jul 6, 2022 |
| Instrument | 2429-0478 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Nov 12, 2020 |
| Property Address | 74 WANDERER LN # E4, E4, OAKLAND, MD 21550-7012 |
| Document Number | 0022560078 |
| Book / Page | 2256 / 78 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Nov 6, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 167 VILLA DR, PITTSBURGH, PA 15214-1469 |
| Document Number | 0000225681 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 2256/81 |
| Name | MILLENNIUM FINANCIAL GROUP INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 1-Month LIBOR |
| Max Rate | 5.5% |
Source: Garrett County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $5,091.00 | $433,333 | $660,000 Land $160,000 Building $500,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 3 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2026 · 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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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