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

Garrett County property record for 971 Fork Run Trl, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 1,792 sqft · built 2021
Lot Size	3.33 acres (145,361 sqft)
Owner	2 Individual Names on Record
Last Sale	$106,400 (Apr 2019)
Tax Bill	$11,663 (2025)
Deeds & Mortgages	Dec 2019 Construction Loan Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-090857`

Property Details

APN / Parcel Number

Primary APN	`18-090857`
Alternative APN	`090857`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,792 sqft Total Area
Basement Area	1,456 sqft
Finished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	145,361 sqft (3.33 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	572 sqft
Balcony Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	090857
Street Address	971 FORK RUN TRL
City	MC HENRY
State	MD
Zip	21541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	145361 SQ FT LOT 44 NORTH CAMP SUB ( NORTH C
Legal Subdivision	NORTH CAMP SUB
Legal Lot Number	44
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2027
Census Tract	502

Owner

Source: Garrett County records, as of June 9, 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 Record
Mailing Address	21041 SUGAR RIDGE TER, BOYDS, MD 20841-9289
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2019	Deed of Trust, Mortgage · Construction Mortgage CHESSIE FCU
Apr 29, 2019	Deed, Transfer · Conventional Mortgage CHESSIE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Deed Book / Page	2128 / 294
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	971 FORK RUN TRL, MC HENRY, MD 21541
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	SAGE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021760183
Date	Dec 20, 2019
Book Page	2176/0183

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	368 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	3
Max Rate	10.5%

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	Apr 29, 2019
Property Address	971 FORK RUN TRL, MC HENRY, MD 21541
Document Number	0021280294
Book / Page	2128 / 0294
Map Reference	MB TWM3 FO 598
Instrument Date	Apr 26, 2019
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21041 SUGAR RIDGE TER, 21041, BOYDS, MD 20841-9289

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21041 SUGAR RIDGE TER, BOYDS, MD 20841-9289

Mortgage

Document Number	0002128298
Date	Apr 29, 2019
Instrument	2128/298

Lender

Name	CHESSIE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	May 1, 2022

Tax Assessment & Valuation

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	$11,663.00 (+35.62%)	$909,800 (+41.54%)	$1,043,300 (+62.31%) Land $101,800 Building $941,500
2023	$8,600.00	$642,800 Land $91,800 Building $551,000	$642,800 Land $91,800 Building $551,000

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

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 66% of the US · above 70% 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.

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 (outdoors only) and 4G LTE

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