845 Fern Loop Dr, Mc Henry, MD 21541 Property Records

Garrett County property record for 845 Fern Loop Dr, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	6 ba · 2,284 sqft · built 2020
Lot Size	0.636 acres (27,716 sqft)
Owner	Individual Name on File
Last Sale	$1,295,000 (Mar 2022)
Tax Bill	$10,283 (2023)
Deeds & Mortgages	Mar 2022 Sale Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`18-085364`

Property Details

APN / Parcel Number

Primary APN	`18-085364`
Alternative APN	`085364`

Interior

Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,284 sqft Total Area
Basement Area	1,456 sqft
Finished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	27,716 sqft (0.636 acres)
Deck Area	704 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	085364
Street Address	845 FERN LOOP DR
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	27716 SQ FT LOT 13 SANDY SHORES HEIGHTS
Legal Subdivision	SANDY SHORES HEIGHTS
Legal Lot Number	13
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2026
Census Tract	502

Owner

845 Fern Loop Dr is owned by an individual who bought it in March 2022.

Source: Garrett County records, as of September 20, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12621 FAWN RUN CT, ELLICOTT CITY, MD 21042-1146
Owner Type	Individual

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
Mar 16, 2022	Deed, Transfer UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE
Dec 12, 2019	Deed of Trust, Mortgage · Line of Credit SOMERSET TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2022 · Amount on File
Deed Sale	Mar 16, 2022 · Amount on File
Prior Sale	Aug 22, 2016 · Amount on File
Deed Document Number	0000240214
Deed Book / Page	2402 / 14
Record Updated	Jun 7, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Mar 16, 2022
Property Address	845 FERN LOOP DR, MC HENRY, MD 21541
Document Number	0024020014
Book / Page	2402 / 14
Map Reference	CASE DKM3 PG 269
Instrument Date	Mar 4, 2022
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12621 FAWN RUN CT, ELLICOTT CITY, MD 21042-1146

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	845 FERN LOOP DR, MC HENRY, MD 21541
Document Number	0021750103
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	SAGE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	410 FAIRMONT DR WEXFORD PA 150901327, WEXFORD, PA 15090-1327

Mortgage

Document Number	0021750103
Date	Dec 16, 2019
Book Page	002175/000103

Lender

Name	SOMERSET TR
Address	CONNELLSVILLE, PA 15425

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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	$10,283.00	$768,600	$1,243,600 Land $101,300 Building $1,142,300

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

Flood

FEMA maps place 845 Fern Loop Dr in Zone X, an area of minimal flood risk.

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

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 845 Fern Loop Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000
Pogozone powered by Neubeam Fixed Wireless	300 / 40

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Fern Loop Dr

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