815 Chadderton School Rd, Oakland, MD 21550 Property Records

Garrett County property record for 815 Chadderton School Rd, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,619 sqft · built 1989
Lot Size	1.15 acres (50,304 sqft)
Owner	2 Individual Names on File
Last Sale	$1,650,000 (Jun 2026)
Tax Bill	$19,035 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-064731`

Property Details

APN / Parcel Number

Primary APN	`18-064731`
Alternative APN	`064731`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,619 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	50,304 sqft (1.15 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	1,536 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	97 sqft
Deck Area	2,038 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	064731
Street Address	815 CHADDERTON SCHOOL RD
City	OAKLAND
State	MD
Zip	21550-7342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50304 SQ FT W/125'LF E/S CHADDERTON SCHOOL RD DEEP CREEK
Legal Subdivision	DEEP CREEK
Jurisdiction	GARRETT MD
Township / Civil Division	10, DEER PARK
Census Block Group	1
Census Block	1057
Census Tract	501

Owner

815 Chadderton School Rd is owned by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 RIDGE RD, GETTYSBURG, PA 17325-7112
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed, Transfer · Conventional Mortgage CMV HOME LOANS
Jun 30, 2026	Re-recorded Document · Conventional Mortgage CMV HOME LOANS
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Jun 23, 2026 · Amount on File
Deed Book / Page	2695 / 346
Transfer Doc	0000000358
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jun 23, 2026
Property Address	815 CHADDERTON SCHOOL RD, OAKLAND, MD 21550-7342
Document Number	2693000045
Book / Page	2693 / 45
Instrument Date	Jun 12, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	DEER CREEK TITLE, DEEP CREEK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666,500.00
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	321 RIDGE RD, GETTYSBURG, PA 17325-7112

Mortgage

Document Number	2693000049,
Date	Jun 23, 2026
Book Page	2693/49

Lender

Name	CMV HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	GARRETT MD
Recording Date	Jun 30, 2026
Property Address	815 CHADDERTON SCHOOL RD, OAKLAND, MD 21550-7342
Document Number	2695000346
Book / Page	2695 / 346
Instrument Date	Jun 12, 2026
Record Updated	Aug 30, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666,500.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 RIDGE RD, GETTYSBURG, PA 17325-7112

Mortgage

Document Number	2695000353,
Date	Jun 30, 2026
Book Page	2695/353

Lender

Name	CMV HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	815 CHADDERTON SCHOOL RD, OAKLAND, MD 21550-7342
Document Number	0021990488
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	815 CHADDERTON SCHOOL RD CRELLIN MD 215507342, CRELLIN, MD 21550-7342

Mortgage

Document Number	0021990488
Date	Apr 22, 2020
Book Page	002199/000488

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 815 Chadderton School Rd was $19,035, up 0.5% from the year before.

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	$19,035.00 (+0.48%)	$1,709,167 (+2.29%)	$1,785,700 (+6.87%) Land $505,800 Building $1,279,900
2025	$18,944.00	$1,670,900 Land $441,200 Building $1,229,700	$1,670,900 Land $441,200 Building $1,229,700
2023	$13,973.00 Homeowner's exemption	$1,193,767	$1,670,900 Land $441,200 Building $1,229,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 815 Chadderton School Rd 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

Wildfire risk around 815 Chadderton School Rd 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 94% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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