948 Fork Run Trl, Mc Henry, MD 21541 Property Records

Garrett County property record for 948 Fork Run Trl, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,826 sqft · built 2021
Lot Size	0.323 acres (14,071 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Oct 2018)
Tax Bill	$9,920 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-090859`

Property Details

APN / Parcel Number

Primary APN	`18-090859`
Alternative APN	`090859`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	2,826 sqft Total Area
Basement Area	1,137 sqft
Finished Basement	1,137 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,071 sqft (0.323 acres)
Deck Area	44 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	090859
Street Address	948 FORK RUN TRL
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14071 SQ FT LOT 46 NORTH CAMP SUB ( NORTH C
Legal Subdivision	NORTH CAMP SUB
Legal Lot Number	46
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2027
Census Tract	502

Owner

948 Fork Run Trl is owned and occupied by two individuals who bought it in October 2018.

Source: Garrett County records, as of March 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	948 FORK RUN TRL, MC HENRY, MD 21541
Occupancy	Owner Occupied
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
Feb 25, 2026	Deed of Trust, Mortgage · Unknown FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 13, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
Jun 4, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2018 · Amount on File
Deed Sale	Oct 17, 2018 · Amount on File
Deed Book / Page	2099 / 492
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	948 FORK RUN TRL, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	948 FORK RUN TRL, MC HENRY, MD 21541

Mortgage

Document Number	0026680392
Date	Feb 25, 2026
Book Page	2668/392

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	GAMBRILLS, MD 21054

Agreement

Type	Unknown
Amount	Amount on Record
Term	299 Months
Due	Jan 30, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	948 FORK RUN TRL, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Mar 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	948 FORK RUN TRL, MC HENRY, MD 21541

Mortgage

Document Number	0025410333
Date	Mar 13, 2024
Book Page	2541/333

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	SEVERNA PARK, MD 21146

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	263 Months
Due	Feb 22, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	948 FORK RUN TRL, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022090209
Date	Jun 4, 2020
Book Page	2209/209

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

The 2025 property tax bill for 948 Fork Run Trl was $9,920 with a homeowner's exemption.

Source: Garrett County assessment roll, as of August 12, 2025

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
2025	$9,920.00 Homeowner's exemption	$876,233	$1,005,600 Land $94,000 Building $911,600
2023	$8,262.00	$617,500 Land $84,000 Building $533,500	$617,500 Land $84,000 Building $533,500

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

Flood

FEMA maps place 948 Fork Run Trl 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 948 Fork Run Trl is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 27 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

Cell Coverage

5G and 4G LTE (outdoors only)

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