968 Hutton Rd, Oakland, MD 21550 Property Records

Garrett County property record for 968 Hutton Rd, Oakland, MD 21550

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,792 sqft · built 2012
Lot Size	1.52 acres (66,211 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Jan 2026)
Tax Bill	$1,668 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-006524`

Property Details

APN / Parcel Number

Primary APN	`14-006524`
Alternative APN	`006524`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Total Area
1st Floor Area	892 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	66,211 sqft (1.52 acres)
Porch	Enclosed Porch
Porch Area	420 sqft
Deck Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	006524
Street Address	968 HUTTON RD
City	OAKLAND
State	MD
Zip	21550-5213
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	1.52 AC S/S HUTTON RD HUTTON
Legal Lot Number	4
Jurisdiction	GARRETT MD
Township / Civil Division	14, WEST OAKLAND
Census Block Group	2
Census Block	2020
Census Tract	602

Owner

Source: Garrett County records, as of January 23, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	968 HUTTON RD, OAKLAND, MD 21550-5213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Jan 6, 2026	Deed, Transfer · FHA Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2026 · Amount on Record
Deed Sale	Jan 6, 2026 · Amount on Record
Prior Sale	Sep 23, 2004 · Amount on Record
Deed Document Number	0002660130
Deed Book / Page	2660 / 130
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	968 HUTTON RD, OAKLAND, MD 21550-5213
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	EAST COAST ABSTRACTING SERVICES IN, EAST COAST ABSTRACT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 HUTTON RD, OAKLAND, MD 21550-5213

Mortgage

Document Number	0023390069
Date	Aug 6, 2021
Book Page	2339/69

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Jan 6, 2026
Property Address	968 HUTTON RD, OAKLAND, MD 21550-5213
Document Number	0026600130
Book / Page	2660 / 130
Instrument Date	Dec 30, 2025
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	968 HUTTON RD, OAKLAND, MD 21550-5213

Mortgage

Document Number	0002660135
Date	Jan 6, 2026
Instrument	2660/135

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Mortgage

Document Number	0026600169
Date	Jan 6, 2026
Book Page	2660/169

Lender

Name	GARRETT COUNTY COMMUNITY ACTION COMMIITT
Type	Non-Lending Institution
Address	OAKLAND, MD 21550

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 1, 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	$1,668.00 (+138.97%) Homeowner's exemption	$155,100 (+12.69%) Land $28,700 Building $126,400	$155,100 (-) Land $28,700 Building $126,400
2023	$698.00 Homeowner's exemption	$137,633	$155,100 Land $28,700 Building $126,400

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

Flood

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
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jul 2017 · river or lake flooding

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

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	0.03% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Glo Fiber Cable	1,000 / 50
Pogozone powered by Neubeam Fixed Wireless	300 / 40
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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