1023 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 1023 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 780 sqft · built 1952
Lot Size	0.517 acres (22,500 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Jan 2023)
Tax Bill	$692 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-007045`

Property Details

APN / Parcel Number

Primary APN	`23-007045`
Alternative APN	`007045`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	780 sqft Total Area
Attic	Attic
Attic Area	390 sqft
Basement Area	168 sqft
Finished Basement	168 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	22,500 sqft (0.517 acres)
Lot Dimensions	450 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	007045
Street Address	1023 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1023 FREDERICK ST LOT 29 50X450 TWIGGS
Legal Subdivision	TWIGG ADDITION
Legal Lot Number	29
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	2
Census Block	2024
Census Tract	2300

Owner

1023 Frederick St is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1023 FREDERICK ST, CUMBERLAND, MD 21502-1253
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Dec 8, 2021	Deed, Transfer · Commercial Mortgage ROCKET MORTGAGE LLC
Dec 12, 2018	Grant Deed, Transfer ATTORNEY ONLY
Jan 23, 2023	Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2023 · Amount on File
Deed Sale	Jan 23, 2023 · Amount on File
Prior Sale	Dec 8, 2021 · Amount on File
Deed Book / Page	2850 / 39
Transfer Doc	0000000764
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 8, 2021
Property Address	1023 FREDERICK ST, CUMBERLAND, MD 21502-1253
Document Number	002732-0165
Book / Page	2732 / 165
Instrument Date	Nov 22, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1023 FREDERICK ST, CUMBERLAND, MD 21502-1253

Mortgage

Document Number	0002732174
Date	Dec 8, 2021
Instrument	2732/174

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 12, 2018
Property Address	1023 FREDERICK ST, CUMBERLAND, MD 21502-1253
Document Number	0024320394
Book / Page	002432 / 000394
Instrument Date	Dec 11, 2018
Transaction Type	Transfer
Record Updated	Feb 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$402.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1023 FREDERICK ST CUMBERLAND MD 215021253, CUMBERLAND, MD 21502-1253

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 23, 2023
Property Address	1023 FREDERICK ST, CUMBERLAND, MD 21502-1253
Document Number	002850-0039
Book / Page	2850 / 39
Map Reference	CASE 153
Instrument Date	Dec 7, 2018
Transaction Type	Transfer
Record Updated	Feb 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028500045
Date	Jan 23, 2023
Instrument	2850-0045

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	1-Year CMT
Margin	3
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 1023 Frederick St was $692.

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		$118,400 Land $14,600 Building $103,800	$118,400 Land $14,600 Building $103,800
2025	$692.00 Homeowner's exemption
2023	$640.00	$68,800 Land $14,600 Building $54,200	$68,800 Land $14,600 Building $54,200

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

Flood

FEMA maps place 1023 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 1023 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.

Nearby Properties on Frederick St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures