776 Hutton Rd, Oakland, MD 21550 Property Records

Garrett County property record for 776 Hutton Rd, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,538 sqft · built 1890
Lot Size	2 acres (87,120 sqft)
Owner	Company Name on Record
Last Sale	$145,200 (Nov 2014)
Tax Bill	$1,423 (2026)
Deeds & Mortgages	Dec 2017 Reverse Mortgage Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-036326`

Property Details

APN / Parcel Number

Primary APN	`14-036326`
Alternative APN	`036326`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,538 sqft Total Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Porch	Slab
Porch Area	341 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	036326
Street Address	776 HUTTON RD
City	OAKLAND
State	MD
Zip	21550-5211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.00 AC LOT 1 LANTZ SUB
Legal Subdivision	LANTZ SUB
Legal Lot Number	1
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	2
Census Block	2016
Census Tract	602

Owner

Source: Garrett County records, as of July 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	776 HUTTON RD, OAKLAND, MD 21550-5211
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2017	Deed of Trust, Mortgage · Reverse Mortgage LIVE WELL FINANCIAL INC
Dec 21, 2021	Intrafamily Transfer, Transfer
Nov 25, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2014 · Amount on Record
Deed Sale	Nov 20, 2014 · Amount on Record
Prior Sale	Jun 8, 2007
Deed Book / Page	1841 / 35
Prior Transfer Date	Mar 6, 2007
Prior Transfer Doc	0013120075
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	776 HUTTON RD, OAKLAND, MD 21550-5211
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020470403
Date	Dec 15, 2017
Book Page	2047/0403
Instrument	2047-0403

Lender

Name	LIVE WELL FINANCIAL INC
Type	Mortgage Company
Address	RICHMOND, VA 23225

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	914 Months
Due	Feb 14, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.28%
Type Change Date	Dec 1, 2018
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRETT MD
Recording Date	Dec 21, 2021
Property Address	776 HUTTON RD, OAKLAND, MD 21550-5211
Document Number	0023800278
Book / Page	2380 / 278
Instrument Date	Dec 20, 2021
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	776 HUTTON RD, OAKLAND, MD 21550-5211
Document Number	0020470421
Instrument Date	Nov 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	776 HUTTON RD OAKLAND MD 215505211, OAKLAND, MD 21550-5211

Mortgage

Document Number	0020470421
Date	Dec 15, 2017
Book Page	002047/000421

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Dec 14, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.28%

Tax Assessment & Valuation

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

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
2026	$1,423.00 (+0.28%) Homeowner's exemption	$137,733 (+2.79%)	$145,200 (+8.36%) Land $31,500 Building $113,700
2025	$1,419.00 (+3.5%) Homeowner's exemption	$134,000 (+12.48%) Land $29,500 Building $104,500	$134,000 (-) Land $29,500 Building $104,500
2023	$1,371.00 Homeowner's exemption	$119,133	$134,000 Land $29,500 Building $104,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jul 2017 · river or lake flooding

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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