NOT LISTED FOR SALE

655 Bray School Rd Oakland, MD 21550

Estimated Value: $255,000 - $267,000

2 Beds
1 Bath
960 Sq Ft
$271/Sq Ft Est. Value

Last Sold May 14, 2025

Last sale price $259,000 $270 Per Sq Ft

Est. 1% increase in value since last sale

Current estimated payment $1,516/month

4 Days on Market

Highlights

  • View of Trees or Woods
  • Backs to Trees or Woods
  • Main Floor Bedroom
  • Raised Ranch Architecture
  • Wood Flooring
  • No HOA

About This Home

As of May 2025

This cozy 2-bedroom, 1-bath home is full of charm and nestled in a peaceful, wooded setting among the pines. A front deck welcomes you inside to a warm living room with a gas fireplace, perfect for those cool mountain evenings. Just off the living room is a flexible space—ideal for a home office, reading nook, or cozy sitting area. An open spacious kitchen with new stove completes the living area picture. New carpet in the main level bright bedrooms that look out at the pines. A charming bath is just off of the bedrooms. Need more space? The full, unfinished basement doubles the size of the home and is ready for your vision—whether it’s extra living space, a workshop, or storage. There is a pellet stove and new water heater added in 2024 in the basement. New washing machine in 2025.Start your day with morning coffee on the back deck, and unwind in the evening while enjoying the sights and sounds of nature. The large, level yard offers plenty of space for outdoor fun, gardening, or simply relaxing under the trees.Private and serene, yet just minutes from Deep Creek Lake, Swallow Falls, and Wisp Resort, this home offers the perfect blend of quiet retreat and adventure-ready location.An incredible value for the amazing location at only $269,000—this is one you don’t want to miss!

Last Agent to Sell the Property

Susan Bell

(301) 501-9072 sbell@railey.com Railey Realty, Inc. Listed on: 04/04/2025

Railey Realty, Inc.

Last Buyer's Agent

Julie Mead

(540) 931-6470 julie@railey.com The KW Collective License #666198

The KW Collective

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,439

Year Built

  • Built in 1984

Lot Details

  • 0.92 Acre Lot
  • Backs to Trees or Woods

Parking

  • Driveway

Home Design

  • Raised Ranch Architecture
  • Block Foundation
  • Frame Construction

Interior Spaces

  • Property has 2 Levels
  • Screen For Fireplace
  • Gas Fireplace
  • Window Treatments
  • Living Room
  • Combination Kitchen and Dining Room
  • Den
  • Wood Flooring
  • Views of Woods
  • Unfinished Basement
  • Connecting Stairway
  • Electric Oven or Range

Bedrooms and Bathrooms

  • 2 Main Level Bedrooms
  • 1 Full Bathroom
  • Bathtub with Shower

Laundry

  • Laundry Room
  • Laundry on lower level
  • Dryer
  • Washer

Outdoor Features

  • Exterior Lighting

Schools

  • Broadford Elementary School
  • Southern Middle School
  • Southern Garrett High School

Utilities

  • Window Unit Cooling System
  • Pellet Stove burns compressed wood to generate heat
  • Heating System Powered By Owned Propane
  • Electric Baseboard Heater
  • Well
  • Electric Water Heater
  • Septic Equal To The Number Of Bedrooms
  • Cable TV Available

Community Details

  • No Home Owners Association

Listing and Financial Details

  • Assessor Parcel Number 1214015655

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,439

Year Built

Built in 1984

Lot Details

0

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Raised Ranch/Rambler
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Main
  • Year Built: 1984
  • Automatically Close On Close Date: No
  • Remarks Public: This cozy 2-bedroom, 1-bath home is full of charm and nestled in a peaceful, wooded setting among the pines. A front deck welcomes you inside to a warm living room with a gas fireplace, perfect for those cool mountain evenings. Just off the living room is a flexible space—ideal for a home office, reading nook, or cozy sitting area. An open spacious kitchen with new stove completes the living area picture. New carpet in the main level bright bedrooms that look out at the pines. A charming bath is just off of the bedrooms. Need more space? The full, unfinished basement doubles the size of the home and is ready for your vision—whether it’s extra living space, a workshop, or storage. There is a pellet stove and new water heater added in 2024 in the basement. New washing machine in 2025. Start your day with morning coffee on the back deck, and unwind in the evening while enjoying the sights and sounds of nature. The large, level yard offers plenty of space for outdoor fun, gardening, or simply relaxing under the trees. Private and serene, yet just minutes from Deep Creek Lake, Swallow Falls, and Wisp Resort, this home offers the perfect blend of quiet retreat and adventure-ready location. An incredible value for the amazing location at only $269,000—this is one you don’t want to miss!
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Oven/Range - Electric, Refrigerator, Washer, Dryer
  • Interior Amenities: Bathroom - Tub Shower, Combination Kitchen/Dining, Dining Area, Entry Level Bedroom, Wood Floors, Window Treatments, Stove - Pellet
  • Fireplace Features: Gas/Propane, Screen
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Foundation Details: Block
  • Levels Count: 2
  • Room List: Living Room, Dining Room, Bedroom 2, Kitchen, Den, Basement, Bedroom 1, Laundry, Bathroom 1
  • Basement: Yes
  • Basement Type: Connecting Stairway, Unfinished
  • Laundry Type: Lower Floor
  • Total Sq Ft: 1920
  • Living Area Sq Ft: 960
  • Price Per Sq Ft: 280.21
  • Above Grade Finished Sq Ft: 960
  • Below Grade Sq Ft: 960
  • Total Below Grade Sq Ft: 960
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 655

Beds/Baths

  • Bedrooms: 2
  • Main Level Bedrooms: 2
  • Total Bathrooms: 1
  • Full Bathrooms: 1
  • Main Level Bathrooms: 1.00
  • Main Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Frame
  • Exterior Features: Exterior Lighting
  • View: Trees/Woods
  • Water Access: No
  • Waterfront: No
  • Water Oriented: No
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Type Of Parking: Driveway

Utilities

  • Central Air Conditioning: No
  • Cooling Type: Window Unit(s)
  • Heating Fuel: Electric, Propane - Owned
  • Heating Type: Baseboard - Electric
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Septic = # Of Br
  • Utilities: Cable Tv, Cable Tv Available
  • Water Source: Well

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA: No
  • Senior Community: No

Schools

  • School District: GARRETT COUNTY PUBLIC SCHOOLS
  • Elementary School: BROADFORD
  • Middle School: SOUTHERN MIDDLE
  • High School: SOUTHERN GARRETT HIGH
  • Elementary School Source: Listing Agent
  • High School Source: Listing Agent
  • Middle School Source: Listing Agent
  • School District Key: 121139907558
  • School District Source: 3rd Party
  • Elementary School: BROADFORD
  • High School: SOUTHERN GARRETT HIGH
  • Middle Or Junior School: SOUTHERN MIDDLE

Lot Info

  • Land Use Code: R
  • Lot Features: Backs To Trees
  • Lot Size Acres: 0.92
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 40075.00
  • Year Assessed: 2024
  • Zoning: R
  • In City Limits: No

Rental Info

  • Lease Considered: No
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 1439.00
  • Assessor Parcel Number: 1214015655
  • Tax Total Finished Sq Ft: 960
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024
  • Close Date: 05/14/2025

MLS Schools

  • School District Name: GARRETT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 4, 2025
Closed on
May 14, 2025
Sold by
Rohrback Brenda Jean
Bought by
Harshberger Thomas A
Seller's Agent
Susan Bell
Railey Realty, Inc.
Buyer's Agent
Julie Mead
The KW Collective
List Price
$269,000
Sold Price
$259,000
Premium/Discount to List
-$10,000
-3.72%
Views
15
Current Estimated Value
$260,637

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$1,637
Avg. Annual Appreciation
1.82%
Original Mortgage
$207,200
Outstanding Balance
$206,650
Interest Rate
6.64%
Mortgage Type
New Conventional
Estimated Equity
$53,987

Purchase Details

Listed on
Nov 20, 2019
Closed on
Feb 10, 2020
Sold by
Schneider Thomas B
Bought by
Dinterman Kyle
Seller's Agent
Ruth Seib
Railey Realty, Inc.
Buyer's Agent
Amy Zimmerman
1 Real Estate Source LLC
List Price
$134,500
Sold Price
$139,500
Premium/Discount to List
$5,000
3.72%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
12.51%
Original Mortgage
$140,909
Interest Rate
3.72%
Mortgage Type
New Conventional

Purchase Details

Closed on
Nov 19, 2001
Sold by
Root Eugene W and Root Frances L
Bought by
Schneider Thomas B

Purchase Details

Closed on
May 25, 1984
Sold by
Grabowaki Stephen and Grabowaki Marie
Bought by
Root Eugene W and Root Frances L
Source: Public Records

Range of Values:

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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Harshberger Thomas A $259,000 Deep Creek Title
Dinterman Kyle $139,500 Deep Creek Title Group
Schneider Thomas B $30,000 --
Root Eugene W $5,000 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Harshberger Thomas A $207,200
Previous Owner Dinterman Kyle $140,909
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
05/14/2025 05/14/25 Sold $259,000 -3.7% $270 / Sq Ft
04/04/2025 04/04/25 For Sale $269,000 +22.3% $280 / Sq Ft
09/01/2023 09/01/23 Sold $220,000 0.0% $229 / Sq Ft
07/27/2023 07/27/23 For Sale $220,000 +57.7% $229 / Sq Ft
02/14/2020 02/14/20 Sold $139,500 +3.7% $145 / Sq Ft
11/20/2019 11/20/19 For Sale $134,500 -- $140 / Sq Ft
Source: Bright MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $1,531 $132,600 $33,000 $99,600
2024 $1,469 $123,233 $0 $0
2023 $1,360 $113,867 $0 $0
2022 $1,251 $104,500 $33,000 $71,500
2021 $1,247 $104,233 $0 $0
2020 $1,244 $103,967 $0 $0
2019 $1,213 $101,300 $30,600 $70,700
2018 $1,146 $101,300 $30,600 $70,700
2017 $1,141 $101,300 $0 $0
2016 -- $101,300 $0 $0
2015 -- $101,300 $0 $0
2014 -- $101,300 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDGA2009090

Bright MLS

APN: 14-015655