961 Schell Rd, Oakland, MD 21550 Property Records

Garrett County property record for 961 Schell Rd, Oakland, MD 21550 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2001
Square Footage	1,624 sqft Total Area
Lot Size	103,237 sqft (2.37 acres)
Occupancy	Owner Occupied
Tax Bill	$1,943.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`10-013755`
Alternative APN	`013755`

Interior

Full Baths	2 Baths
Building Area	1,624 sqft Total Area
Stories	1 Stories

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Frame Construction
Roof Material	Composition Shingle Roof
Lot Area	103,237 sqft (2.37 acres)
Deck Area	120 sqft Deck
Porch Area	320 sqft Porch

Utilities and HVAC

Heating System	Baseboard Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	013755
Street Address	961 SCHELL RD
City	OAKLAND
State	MD
Zip	21550-6751
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	2.37 AC N/S SCHELL RD BETHLEHEM
Jurisdiction	GARRETT MD
Minor Civil Division	10, DEER PARK
Census Blockgroup	2
Census Block	2055
Census Tract	400

Owner

Source: Garrett County records · APN 10-013755

Assessment roll updated July 27, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	961 SCHELL RD, OAKLAND, MD 21550-6751
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust · Conventional Mortgage NONE LISTED ON DOCUMENT
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS BANK AND TRUST COMPANY
Sep 22, 2023	Deed, Transfer · Conventional Mortgage M & T BANK
Mar 29, 2017	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 15, 2001
Deed Sale	May 15, 2001
Deed Doc Number	2001673
Deed Book / Page	839 / 411
Record Refreshed	Sep 20, 2026

May 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Recording Date	May 11, 2026
Property Address	961 SCHELL RD, OAKLAND, MD 21550-6751
Document Number	2684000080
Book / Page	2684 / 80
Instrument Date	Apr 30, 2026
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	961 SCHELL RD, OAKLAND, MD 21550-6751
Investor	Possibly a Property Investor

Mortgage

Document Number	2684000080,
Date	May 11, 2026
Book Page	2684/80

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.77%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Recording Date	May 11, 2026
Property Address	961 SCHELL RD, OAKLAND, MD 21550-6751
Document Number	0026840080
Book / Page	2684 / 80
Instrument Date	Apr 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	961 SCHELL RD, OAKLAND, MD 21550-6751
Investor	Possibly a Property Investor

Mortgage

Document Number	2684000080,
Date	May 11, 2026
Book Page	2684/80

Lender

Name	MANUFACTURERS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.77%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 22, 2023
Property Address	961 SCHELL RD, OAKLAND, MD 21550-6751
Document Number	0025140197
Book / Page	2514 / 197
Instrument Date	Jun 16, 2023
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	EQUITY SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$587.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	961 SCHELL RD, OAKLAND, MD 21550-6751

Mortgage

Document Number	0025140206
Date	Sep 22, 2023
Instrument	2514-0206

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 01, 2053

Interest

Change Frequency	2 Years

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	961 SCHELL RD, OAKLAND, MD 21550-6751
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019970249
Date	Mar 29, 2017
Book Page	1997/0249
Instrument	1997-0249

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Garrett County records · Assessment roll updated July 27, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,943.00 (+0.94%) Homeowner's exemption	$190,800 (+9.11%) Land $24,000 Building $166,800	$190,800 (-) Land $24,000 Building $166,800
2025	$1,925.00 (+11.27%) Homeowner's exemption	$174,867 (+22.28%)	$190,800 (+33.43%) Land $24,000 Building $166,800
2023	$1,730.00 Homeowner's exemption	$143,000 Land $23,300 Building $119,700	$143,000 Land $23,300 Building $119,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Garrett County (24023C), updated February 1, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	About 1 in 2,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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