95 Pine Cir, Oakland, MD 21550 Property Records

Garrett County property record for 95 Pine Cir, Oakland, MD 21550

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,380 sqft · built 2008
Lot Size	1.29 acres (56,192 sqft)
Owner	2 Individual Names on File
Last Sale	$898,500 (Dec 2018)
Tax Bill	$16,358 (2025)
Deeds & Mortgages	Jun 2022 Transfer Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-081032`

Property Details

APN / Parcel Number

Primary APN	`18-081032`
Alternative APN	`081032`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,380 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	56,192 sqft (1.29 acres)
Garage Type	Attached
Garage Area	1,116 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	955 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	081032
Street Address	95 PINE CIR
City	OAKLAND
State	MD
Zip	21550-4275
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	56192 SQ FT LOT 26 RESERVE AT HOLY CROSS
Legal Subdivision	RESERVE AT HOLY CROSS
Legal Lot Number	26
Jurisdiction	GARRETT MD
Township / Civil Division	10, DEER PARK
Census Block Group	1
Census Block	1019
Census Tract	502

Owner

95 Pine Cir is owned by two individuals who acquired it in June 2022.

Source: Garrett County records, as of September 9, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	215 W HENRIETTA ST, WOOSTER, OH 44691-2833
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Intrafamily Transfer, Transfer
Dec 3, 2018	Deed, Transfer · ARM FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on File
Deed Sale	Dec 3, 2018 · Amount on File
Prior Sale	Jul 28, 2005 · Amount on File
Deed Book / Page	2108 / 394
Last Transfer Date	Jun 27, 2022
Transfer Doc	0024280356
Record Updated	Jun 8, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRETT MD
Recording Date	Jun 30, 2022
Property Address	95 PINE CIR, OAKLAND, MD 21550
Document Number	0024280356
Book / Page	2428 / 356
Map Reference	PL DKM 3 FILE 206B
Instrument Date	Jun 27, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	215 W HENRIETTA ST, WOOSTER, OH 44691-2833

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Dec 3, 2018
Property Address	95 PINE CIR, OAKLAND, MD 21550
Document Number	0021080394
Book / Page	2108 / 0394
Map Reference	CASE DKM3 FILE206B
Instrument Date	Nov 30, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,477.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	215 W HENRIETTA ST, WOOSTER, OH 44691-2833

Mortgage

Document Number	0002108397
Date	Dec 3, 2018
Instrument	2108/397

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	3
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 95 Pine Cir was $16,358.

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	$16,358.00	$1,384,000 Land $281,200 Building $1,102,800	$1,384,000 Land $281,200 Building $1,102,800
2023	$12,746.00	$1,029,600	$1,384,000 Land $281,200 Building $1,102,800

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

Flood

FEMA maps place 95 Pine Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2026 · rainfall accumulation

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 95 Pine Cir 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 93% of the US · lower than 85% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pine Cir

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