1024 Harding Ave, Cumberland, MD 21502 Property Records

Allegany County property record for 1024 Harding Ave, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1959
Lot Size	0.438 acres (19,065 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,000 (Jul 2017)
Tax Bill	$1,393 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-002529`

Property Details

APN / Parcel Number

Primary APN	`35-002529`
Alternative APN	`002529`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Total Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,065 sqft (0.438 acres)
Lot Dimensions	120 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	808 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	002529
Street Address	1024 HARDING AVE
City	CUMBERLAND
State	MD
Zip	21502-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	19,065 SQ FT LOT 165 1024 HARDING AVE GOETHE
Legal Subdivision	GOETHE STREET ADDITION
Legal Lot Number	165
Jurisdiction	ALLEGANY MD
Township / Civil Division	22, CUMBERLAND
Census Block Group	2
Census Block	2023
Census Tract	2300

Owner

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	2 Individual Names on Record
Mailing Address	1024 HARDING AVE, CUMBERLAND, MD 21502-1315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2017 · Amount on Record
Deed Sale	Jul 26, 2017 · Amount on Record
Deed Document Number	20172315-454
Deed Book / Page	2315 / 454
Prior Transfer Date	Dec 15, 2010
Prior Transfer Doc	001747-0200
Record Updated	Oct 29, 2026

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jul 26, 2017
Property Address	1024 HARDING AVE, CUMBERLAND, MD 21502-1315
Document Number	0023150454
Book / Page	002315 / 000454
Instrument Date	Jul 25, 2017
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$784.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 HARDING AVE CUMBERLAND MD 215021315, CUMBERLAND, MD 21502-1315

Mortgage

Document Number	23150461
Date	Jul 26, 2017
Book Page	002315/000461

Lender

Name	GUARANTY TR
Address	MURFREESBORO, TN 37129

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2047

Tax Assessment & Valuation

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		$166,500 (+9.56%) Land $15,200 Building $151,300	$166,500 (-) Land $15,200 Building $151,300
2025	$1,393.00 (+21.87%)	$151,967 (+23.65%)	$166,500 (+35.48%) Land $15,200 Building $151,300
2023	$1,143.00	$122,900 Land $15,200 Building $107,700	$122,900 Land $15,200 Building $107,700

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

Flood

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

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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