1013 Harding Ave, Cumberland, MD 21502 Property Records

Allegany County property record for 1013 Harding Ave, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 780 sqft · built 1930
Lot Size	0.184 acres (8,025 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Oct 2024)
Tax Bill	$855 (2025)
Deeds & Mortgages	Feb 2024 Sale May 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-005110`

Property Details

APN / Parcel Number

Primary APN	`35-005110`
Alternative APN	`005110`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	780 sqft Total Area
Basement Area	144 sqft
Finished Basement	650 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	8,025 sqft (0.184 acres)
Lot Dimensions	107 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Shed	1 Shed
Shed Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	005110
Street Address	1013 HARDING AVE
City	CUMBERLAND
State	MD
Zip	21502-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1013 HARDING AVE LOTS 135-36-37 75X107
Legal Subdivision	GOETHE STREET ADD CUMBERLAND
Legal Lot Number	37
Jurisdiction	ALLEGANY MD
Township / Civil Division	22, CUMBERLAND
Census Block Group	2
Census Block	2050
Census Tract	2300

Owner

1013 Harding Ave is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1013 HARDING AVE, CUMBERLAND, MD 21502-1314
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Deed, Transfer
May 26, 2023	Deed, Transfer PASSPORT TITLE SERVICES LLC, PASPORT TITLE SERVICES LLC
Mar 29, 2023	Deed, Transfer PASSPORT TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2024 · Amount on File
Deed Sale	Oct 7, 2024 · Amount on File
Prior Sale	Feb 9, 2024 · Amount on File
Deed Book / Page	3001 / 483
Record Updated	Oct 29, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Feb 9, 2024
Property Address	1013 HARDING AVE, CUMBERLAND, MD 21502-1314
Document Number	002944-0091
Book / Page	2944 / 91
Map Reference	LB 137 FO 421
Instrument Date	Jan 12, 2024
Transaction Type	Transfer
Record Updated	Mar 4, 2024

Transaction

Amount	Amount on Record
Tax	$228.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	15812 BRICE HOLLOW RD SE, CUMBERLAND, MD 21502-8609

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	May 26, 2023
Property Address	1013 HARDING AVE, CUMBERLAND, MD 21502-1314
Document Number	002882-0489
Book / Page	2882 / 489
Map Reference	LB 137 FO 421
Instrument Date	Apr 14, 2023
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	PASSPORT TITLE SERVICES LLC, PASPORT TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	417 RACE ST, CUMBERLAND, MD 21502-4139
Investor	Possibly a Property Investor

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Mar 29, 2023
Property Address	1013 HARDING AVE, CUMBERLAND, MD 21502-1314
Document Number	002866-0438
Book / Page	2866 / 438
Instrument Date	Mar 3, 2023
Transaction Type	Transfer
Record Updated	Apr 11, 2023
Title Company	PASSPORT TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$222.57
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1013 HARDING AVE, CUMBERLAND, MD 21502-1314

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 1013 Harding Ave was $855.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$102,400 Land $12,500 Building $89,900	$102,400 Land $12,500 Building $89,900
2025	$855.00
2023	$699.00	$75,200 Land $12,500 Building $62,700	$75,200 Land $12,500 Building $62,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1013 Harding Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 1013 Harding Ave is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	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

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 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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