Garrett County property record for 75 Spring Creek Ln, Swanton, MD 21561
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 1,466 sqft · built 2017 |
| Lot Size | 0.702 acres (30,595 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,259,000 (Sep 2020) |
| Tax Bill | $18,725 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-084732 |
| Primary APN | 18-084732 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,466 sqft Total Area |
| Basement Area | 1,174 sqft |
| Finished Basement | 1,174 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 30,595 sqft (0.702 acres) |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 262 sqft |
| Deck Area | 264 sqft |
| Patio Area | 70 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 084732 |
|---|---|
| Street Address | 75 SPRING CREEK LN |
| City | SWANTON |
| State | MD |
| Zip | 21561 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 30595 SQ FT W/117.62 LOT 2 NORTH SHORE WEST PH I |
| Legal Subdivision | NORTH SHORE WEST PH 01 |
| Legal Phase | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 1, SWANTON |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 501 |
75 Spring Creek Ln is held in a trust since September 2022.
Source: Garrett County records, as of August 12, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2415 MONROE ST, COLUMBIA, SC 29205-3151 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 12, 2019 | Deed of Trust, Mortgage · ARM S & T BANK |
| Jan 31, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST |
| Oct 14, 2022 | Intrafamily Transfer, Transfer |
| Sep 24, 2020 | Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST |
| Apr 3, 2020 | Loan Modification, Mortgage S & T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2020 · Amount on File |
| Deed Sale | Sep 24, 2020 · Amount on File |
| Prior Sale | Apr 25, 2006 · Amount on File |
| Deed Book / Page | 2239 / 11 |
| Last Transfer Date | Sep 2, 2022 |
| Transfer Doc | 0024500448 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 75 SPRING CREEK LN, SWANTON, MD 21561 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0021370084 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 2137/0084 |
| Name | S & T BANK |
|---|---|
| Type | Bank |
| Address | INDIANA, PA 15701 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 6.62% |
| Index | 1-Year LIBOR |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 75 SPRING CREEK LN, SWANTON, MD 21561 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 75 SPRING CREEK LN, SWANTON, MD 21561 |
| Document Number | 0023900016 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 2390/16 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | OAKLAND, MD 21550 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Oct 14, 2022 |
| Property Address | 75 SPRING CREEK LN, SWANTON, MD 21561 |
| Document Number | 0024500448 |
| Book / Page | 2450 / 448 |
| Map Reference | MB DKM 2 PG 441 |
| Instrument Date | Sep 2, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 306, TRINIDAD, TX 75163-0306 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Sep 24, 2020 |
| Property Address | 75 SPRING CREEK LN, SWANTON, MD 21561 |
| Document Number | 0022390011 |
| Book / Page | 2239 / 11 |
| Map Reference | MB DKM2 PG 441 |
| Instrument Date | Sep 18, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| 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 |
| Document Number | 0000223920 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 2239/20 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 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% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 75 SPRING CREEK LN, SWANTON, MD 21561 |
| Document Number | 0022570134 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 75 SPRING CREEK LN SWANTON MD 21561, SWANTON, MD 21561 |
| Document Number | 0022570134 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 002257/000134 |
| Name | S & T BK |
|---|---|
| Address | 800 PHILADELPHIA ST, INDIANA, PA 15701-3908 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 15, 2050 |
The 2025 property tax bill for 75 Spring Creek Ln was $18,725.
Source: Garrett County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,725.00 | $1,584,200 Land $431,200 Building $1,153,000 | $1,584,200 Land $431,200 Building $1,153,000 |
| 2023 | $14,431.00 | $1,165,733 | $1,584,200 Land $431,200 Building $1,153,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 75 Spring Creek Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 4 in force |
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 risk around 75 Spring Creek Ln is low, with a 0.01% annual chance of 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 | 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 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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