Allegany County property record for 1012 Frederick St, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,092 sqft · built 1965 |
| Lot Size | 0.088 acres (3,838 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Feb 2009) |
| Tax Bill | $1,163 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-014432 |
| Primary APN | 23-014432 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,092 sqft Total Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 3,838 sqft (0.088 acres) |
| Garage Type | Basement |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 260 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 014432 |
|---|---|
| Street Address | 1012 FREDERICK ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-1220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1012 FREDERICK ST LOT 18 PT 17 75X48 TWIGGS 75X54 |
| Legal Subdivision | TWIGGS ADD CUMBERLAND |
| Legal Lot Number | 18 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 23, DECATUR |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 2300 |
Source: Allegany County records, as of August 18, 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 | 1012 FREDERICK ST, CUMBERLAND, MD 21502-1220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2009 · Amount on Record |
| Deed Sale | Feb 9, 2009 · Amount on Record |
| Prior Sale | May 14, 1985 · Amount on Record |
| Deed Document Number | 200990123 |
| Deed Book / Page | 1554 / 422 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 1012 FREDERICK ST, CUMBERLAND, MD 21502-1220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 1012 FREDERICK ST, CUMBERLAND, MD 21502-1220 |
| Document Number | 002854-0023 |
|---|---|
| Date | Feb 7, 2023 |
| Book Page | 2854/23 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Allegany County assessment roll, as of July 31, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $150,900 (+30.42%) Land $6,700 Building $144,200 | $150,900 (+30.42%) Land $6,700 Building $144,200 | |
| 2025 | $1,163.00 (+8.09%) Homeowner's exemption | ||
| 2023 | $1,076.00 Homeowner's exemption | $115,700 Land $6,700 Building $109,000 | $115,700 Land $6,700 Building $109,000 |
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 November 12, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CUMBERLAND serves 27,039 people · EPA ID MD0010008 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| SkyPacket Fixed Wireless | 100 / 20 |
May also be available: Crowsnest Broadband, Verizon.
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