1017 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 1017 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 720 sqft · built 1949
Lot Size	0.51 acres (22,200 sqft)
Owner	Individual Name on File
Last Sale	$83,500 (Jun 2010)
Tax Bill	$878 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-013959`

Property Details

APN / Parcel Number

Primary APN	`23-013959`
Alternative APN	`013959`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Total Area
Attic	Attic
Attic Area	300 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	22,200 sqft (0.51 acres)
Lot Dimensions	444 ft deep x 50 ft wide
Porch	Slab
Porch Area	98 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	013959
Street Address	1017 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1017 FREDERICK ST LOT 24 50X444
Legal Subdivision	TWIGG ADD CUMBERLAND
Legal Lot Number	24
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	2
Census Block	2024
Census Tract	2300

Owner

1017 Frederick St is owned and occupied by an individual who bought it in June 2010.

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

Owner of Record	Individual Name on File
Mailing Address	1017 FREDERICK ST, CUMBERLAND, MD 21502-1253
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
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHESSIE FCU
Sep 14, 2018	Deed of Trust, Mortgage CHESSIE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2010 · Amount on File
Deed Sale	Jun 8, 2010 · Amount on File
Deed Document Number	2010674
Deed Book / Page	1694 / 178
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1017 FREDERICK ST, CUMBERLAND, MD 21502-1253
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 FREDERICK ST, CUMBERLAND, MD 21502-1253

Mortgage

Document Number	002765-0434
Date	Mar 28, 2022
Book Page	2765/434

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1017 FREDERICK ST, CUMBERLAND, MD 21502-1253
Document Number	0024140041
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 8, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 FREDERICK ST CUMBERLAND MD 215021253, CUMBERLAND, MD 21502-1253

Mortgage

Document Number	0024140041
Date	Sep 21, 2018
Book Page	002414/000041

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1017 Frederick St was $878.

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		$103,000 Land $14,500 Building $88,500	$103,000 Land $14,500 Building $88,500
2025	$878.00
2023	$758.00	$81,500 Land $14,500 Building $67,000	$81,500 Land $14,500 Building $67,000

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

Flood

FEMA maps place 1017 Frederick St 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 1017 Frederick St 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 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.

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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