Garrett County property record for 98 Bee Tree Ln, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 7 ba · 2,837 sqft · built 2018 |
| Lot Size | 0.668 acres (29,110 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Aug 2016) |
| Tax Bill | $20,352 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-029421 |
| Primary APN | 18-029421 |
|---|---|
| Alternative APN |
|
| Full Baths | 7 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 2,837 sqft Total Area |
| Basement Area | 1,800 sqft |
| Finished Basement | 1,800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 29,110 sqft (0.668 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 110 sqft |
| Deck Area | 450 sqft |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 029421 |
|---|---|
| Street Address | 98 BEE TREE LN |
| City | OAKLAND |
| State | MD |
| Zip | 21550-7254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 29110 SQ FT W/100'LF W/S LAKE SHORE DR DEEP CREEK LAKE |
| Legal Subdivision | DEEP CREEK |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 14, WEST OAKLAND |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 502 |
98 Bee Tree Ln is owned by two individuals who bought it in August 2016.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9405 OLD RESERVE WAY, FAIRFAX, VA 22031-4737 |
| 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.
| Date | Document |
|---|---|
| Feb 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST |
| May 19, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2016 · Amount on File |
| Deed Sale | Aug 26, 2016 · Amount on File |
| Prior Sale | May 18, 2005 · Amount on File |
| Deed Book / Page | 1956 / 50 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 98 BEE TREE LN, OAKLAND, MD 21550-7254 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2022 |
| Title Company | MARYLAND TITLE CENTER LLC |
| Name | Verified Name |
|---|
| Document Number | 0023900453 |
|---|---|
| Date | Feb 3, 2022 |
| Book Page | 2390/453 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | OAKLAND, MD 21550 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 98 BEE TREE LN, OAKLAND, MD 21550-7254 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023140197 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 2314/197 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | OAKLAND, MD 21550 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 98 Bee Tree Ln was $20,352, up 0.1% from the year before.
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $20,352.00 (+0.15%) | $1,751,533 (+1.87%) | $1,816,000 (+5.62%) Land $495,900 Building $1,320,100 |
| 2025 | $20,322.00 | $1,719,300 Land $431,300 Building $1,288,000 | $1,719,300 Land $431,300 Building $1,288,000 |
| 2023 | $15,014.00 | $1,212,767 | $1,719,300 Land $431,300 Building $1,288,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Bee Tree Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 98 Bee Tree Ln is low, with a 0.01% 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 | 0.01% 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mountain Communications Fiber | 1,000 / 1,000 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
May also be available: T-Mobile.
5G and 4G LTE (outdoors only)
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