Garrett County property record for 98 Settlers Pass, Mc Henry, MD 21541
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,846 sqft · built 2003 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $14,700 (Sep 2002) |
| Tax Bill | $3,442 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-030963 |
| Primary APN | 06-030963 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,846 sqft Total Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 156 sqft |
| Deck Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 030963 |
|---|---|
| Street Address | 98 SETTLERS PASS |
| City | MC HENRY |
| State | MD |
| Zip | 21541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.06 AC LOT 14 SUNSET RIDGE |
| Legal Subdivision | SUNSET RDG SUB |
| Legal Lot Number | 14 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 6, SANG RUN |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 502 |
Source: Garrett County records, as of July 27, 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 | PO BOX 531, MC HENRY, MD 21541-0531 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MLEND |
| Aug 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MLEND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2002 · Amount on Record |
| Deed Sale | Sep 23, 2002 · Amount on Record |
| Deed Document Number | 20022100 |
| Deed Book / Page | 918 / 719 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 98 SETTLERS PASS, MC HENRY, MD 21541 |
| Document Number | 0021520226 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2019 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 98 SETTLERS PASS RD MCHENRY MD 21541, MCHENRY, MD 21541 |
| Document Number | 0021520226 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 002152/000226 |
| Name | MLEND |
|---|---|
| Address | MIDDLETOWN, MD 21769 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 2, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 98 SETTLERS PASS, MC HENRY, MD 21541 |
| Document Number | 0021580496 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CRK TITLE GRP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 98 SETTLERS PASS RD MCHENRY MD 21541, MCHENRY, MD 21541 |
| Document Number | 0021580496 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 002158/000496 |
| Name | MLEND |
|---|---|
| Address | MIDDLETOWN, MD 21769 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2049 |
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 | $3,442.00 (+39.81%) | $306,900 (+47.34%) Land $45,000 Building $261,900 | $306,900 (+47.34%) Land $45,000 Building $261,900 |
| 2023 | $2,462.00 | $208,300 Land $35,000 Building $173,300 | $208,300 Land $35,000 Building $173,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 71% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mountain Communications Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
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