Allegany County property record for 105 Locust St, Lavale, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 728 sqft · built 1948 |
| Lot Size | 0.119 acres (5,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,500 (Feb 2024) |
| Tax Bill | $837 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-005125 |
| Primary APN | 29-005125 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 728 sqft Total Area |
| Basement Area | 80 sqft |
| Finished Basement | 150 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 5,200 sqft (0.119 acres) |
| Lot Dimensions | 106 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 80 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 005125 |
|---|---|
| Street Address | 105 LOCUST ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-7561 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | S/S NATL HWY LOT 2 50X106 102 |
| Legal Lot Number | 2 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 29, LA VALE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 1402 |
105 Locust St is owned by two individuals who bought it in February 2024.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 WALKER RD, CUMBERLAND, MD 21502-7712 |
| 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.
| Date | Document |
|---|---|
| Feb 1, 2024 | Deed, Transfer · Stand-Alone First Mortgage CHESSIE FCU |
| Dec 16, 2021 | Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2024 · Amount on File |
| Deed Sale | Feb 1, 2024 · Amount on File |
| Prior Sale | Dec 16, 2021 · Amount on File |
| Deed Book / Page | 2941 / 388 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Feb 1, 2024 |
| Property Address | 105 LOCUST ST, LAVALE, MD 21502-7561 |
| Document Number | 002941-0388 |
| Book / Page | 2941 / 388 |
| Instrument Date | Dec 15, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $447.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4 WALKER RD, CUMBERLAND, MD 21502-7712 |
| Document Number | 0029410393 |
|---|---|
| Date | Feb 1, 2024 |
| Instrument | 2941-0393 |
| Name | CHESSIE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Dec 16, 2021 |
| Property Address | 105 LOCUST ST, LAVALE, MD 21502-7561 |
| Document Number | 002735-0325 |
| Book / Page | 2735 / 325 |
| Instrument Date | Nov 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 LOCUST ST, CUMBERLAND, MD 21502-7561 |
| Document Number | 0002735331 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 2735/331 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 105 Locust St was $837.
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 | $76,033 | $84,100 Land $15,000 Building $69,100 | |
| 2025 | $837.00 | ||
| 2023 | $635.00 | $58,500 | $59,900 Land $15,000 Building $44,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Locust St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 105 Locust 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 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.
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 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| SkyPacket Fixed Wireless | 100 / 20 |
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