Garrett County property record for 98 Smith Dr, Oakland, MD 21550
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,344 sqft · built 1977 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,250 (Aug 2010) |
| Tax Bill | $2,720 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-009138 |
| Primary APN | 10-009138 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,344 sqft Total Area |
| Basement Area | 520 sqft |
| Finished Basement | 520 sqft |
| Utility Area | 96 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Type | Attached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 520 sqft |
| Deck Area | 432 sqft |
| Patio Area | 240 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 009138 |
|---|---|
| Street Address | 98 SMITH DR |
| City | OAKLAND |
| State | MD |
| Zip | 21550-4315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.50 AC S/S BROADFORD RD DEER PARK |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 10, DEER PARK |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 700 |
98 Smith Dr is owned and occupied by two individuals who bought it in August 2010.
Source: Garrett County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 SMITH DR, OAKLAND, MD 21550-4315 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2010 · Amount on File |
| Deed Sale | Aug 25, 2010 · Amount on File |
| Deed Document Number | 2010865 |
| Deed Book / Page | 1529 / 401 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 98 SMITH DR, OAKLAND, MD 21550-4315 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|
| Document Number | 0023050300 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 2305/300 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2036 |
The 2026 property tax bill for 98 Smith Dr was $2,720 with a homeowner's exemption.
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 | $2,720.00 Homeowner's exemption | $302,900 Land $37,700 Building $265,200 | $302,900 Land $37,700 Building $265,200 |
| 2023 | $2,582.00 Homeowner's exemption | $218,500 Land $28,500 Building $190,000 | $218,500 Land $28,500 Building $190,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Smith Dr in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 98 Smith Dr is low, with a 0.03% annual chance of 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Cable | 1,000 / 50 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon, Xfinity.
5G (outdoors only) and 4G LTE
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