Allegany County property record for 102 Mustaphal Dr, Lavale, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,247 sqft · built 1950 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $128,500 (Jul 2017) |
| Tax Bill | $1,756 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-003319 |
| Primary APN | 29-003319 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,247 sqft Total Area |
| Attic | Attic |
| Attic Area | 250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Block |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 420 sqft |
| Porch | Slab |
| Porch Area | 165 sqft |
| Patio Area | 357 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 003319 |
|---|---|
| Street Address | 102 MUSTAPHAL DR |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-7224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 102 MUSTAPHAL DR 100X100 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 29, LA VALE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 1402 |
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 | 102 MUSTAPHAL DR, CUMBERLAND, MD 21502-7224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Jul 17, 2017 | Grant Deed, Transfer ALCOVA MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2017 · Amount on Record |
| Deed Sale | Jul 17, 2017 · Amount on Record |
| Prior Sale | Jul 24, 2009 · Amount on Record |
| Deed Document Number | 20172313-342 |
| Deed Book / Page | 2313 / 342 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 102 MUSTAPHAL DR, LAVALE, MD 21502-7224 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 002694-0059 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 2694/59 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 102 MUSTAPHAL DR, LAVALE, MD 21502-7224 |
| Document Number | 0025840066 |
| Instrument Date | Sep 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 102 MUSTAPHAL DR CUMBERLAND MD 215027224, CUMBERLAND, MD 21502-7224 |
| Document Number | 0025840066 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 002584/000066 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 13, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Jul 17, 2017 |
| Property Address | 102 MUSTAPHAL DR, LAVALE, MD 21502-7224 |
| Document Number | 0023130342 |
| Book / Page | 002313 / 000342 |
| Instrument Date | Jul 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $899.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 MUSTAPHAL DR LAVALE MD 215027224, LAVALE, MD 21502-7224 |
| Document Number | 23130349 |
|---|---|
| Date | Jul 17, 2017 |
| Book Page | 002313/000349 |
| Name | ALCOVA MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, MD 24011 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 16, 2047 |
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $156,300 (+17.23%) | $166,100 (+21.51%) Land $26,000 Building $140,100 | |
| 2025 | $1,756.00 (+21.19%) Homeowner's exemption | ||
| 2023 | $1,449.00 Homeowner's exemption | $133,333 | $136,700 Land $23,000 Building $113,700 |
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 · 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 |
|
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.
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.
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 |
| 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 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| SkyPacket Fixed Wireless | 100 / 20 |
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