10 C St, Cumberland, MD 21502 Property Records

Allegany County property record for 10 C St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 972 sqft · built 1940
Lot Size	0.179 acres (7,812 sqft)
Owner	Individual Name on Record
Last Sale	$106,500 (Sep 2023)
Tax Bill	$1,375 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-004447`

Property Details

APN / Parcel Number

Primary APN	`29-004447`
Alternative APN	`004447`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	972 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,812 sqft (0.179 acres)

Exterior Amenities

Porch	Slab
Porch Area	456 sqft
Deck Area	224 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	004447
Street Address	10 C ST
City	CUMBERLAND
State	MD
Zip	21502-7101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 C ST PT LOT 60 LAVALE 139X41 135X73
Legal Subdivision	NATIONAL HWY ADD
Legal Lot Number	60
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	1
Census Block	1005
Census Tract	1402

Owner

Source: Allegany County records, as of October 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	520 OVERLOOK TER, CUMBERLAND, MD 21502-1816
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST
Feb 2, 2017	Grant Deed, Transfer FIRST MTG SVCS GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Feb 2, 2017 · Amount on Record
Deed Book / Page	2912 / 203
Prior Transfer Date	Aug 30, 2023
Prior Transfer Doc	002912-0203
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 29, 2023
Property Address	10 C ST, LAVALE, MD 21502-7101
Document Number	002912-0203
Book / Page	2912 / 203
Map Reference	LB 111 FO 733
Instrument Date	Aug 30, 2023
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.25
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 C ST, CUMBERLAND, MD 21502-7101

Mortgage

Document Number	0029120207
Date	Sep 29, 2023
Instrument	2912-0207

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Feb 2, 2017
Property Address	10 C ST, LAVALE, MD 21502-7101
Document Number	0022760026
Book / Page	002276 / 000026
Instrument Date	Jan 31, 2017
Transaction Type	Transfer
Record Updated	Mar 29, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 C ST LAVALE MD 215027101, LAVALE, MD 21502-7101

Mortgage

Document Number	22760030
Date	Feb 2, 2017
Book Page	002276/000030

Lender

Name	FIRST MTG SVCS GROUP INC
Address	CUMBERLAND, MD 21502

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$118,833 (+6.51%)	$126,100 (-) Land $19,500 Building $106,600
2025	$1,375.00 (+46.28%)	$111,567 (+16.38%)	$126,100 (+20.9%) Land $19,500 Building $106,600
2023	$940.00 Homeowner's exemption	$95,867	$104,300 Land $17,100 Building $87,200

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 November 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	40 (1979–2025)
Claims Outside the SFHA	10 of 40
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 4 claims Severe Storms And Flooding, Jan 1996 · 18 claims

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 80% of the US · above 41% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAVALE SANITARY COMMISSION serves 5,500 people · EPA ID MD0010016
Water Source	Purchased surface water from CITY OF CUMBERLAND
Last State Inspection	Sep 2025
Lead	1 ppb (2020–2022) 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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
SkyPacket Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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