106 E First St, Cumberland, MD 21502 Property Records

Allegany County property record for 106 E First St, Cumberland, MD 21502

Property Summary

Property Type	Townhouse
Details	1 ba · 1,320 sqft · built 1920
Lot Size	0.024 acres (1,036 sqft)
Owner	Individual Name on File
Last Sale	$13,500 (Nov 2015)
Tax Bill	$417 (2025)
Deeds & Mortgages	May 2026 Sale Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-033760`

Property Details

APN / Parcel Number

Primary APN	`04-033760`
Alternative APNs	`4033760` `033760`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,320 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	1,036 sqft (0.024 acres)
Lot Dimensions	52 ft deep x 20 ft wide
Porch	Slab
Porch Area	156 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	033760
Street Address	106 E FIRST ST
City	CUMBERLAND
State	MD
Zip	21502-3908
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	106 E FIRST ST PT LOT 175 20X52 SOUTHERN ADDN
Legal Subdivision	SOUTHERN ADD
Legal Lot Number	175
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	2
Census Block	2007
Census Tract	700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chapel Hill Historic District listed 2005 · 810 contributing resources · NRIS 05001477

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Allegany County assessment roll, as of July 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	106 E FIRST ST, CUMBERLAND, MD 21502-3908
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Feb 25, 2020	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 18, 2015 · Amount on Record
Deed Sale	Nov 18, 2015 · Amount on Record
Prior Sale	Oct 10, 2014 · Amount on Record
Deed Book / Page	2177 / 348
Last Transfer Date	Sep 11, 2025
Transfer Doc	3157000173
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	May 4, 2026
Property Address	106 E FIRST ST, CUMBERLAND, MD 21502-3908
Document Number	3157000173
Book / Page	3157 / 173
Instrument Date	Sep 11, 2025
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	106 E FIRST ST, CUMBERLAND, MD 21502-3908

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	106 E FIRST ST, CUMBERLAND, MD 21502-3908
Document Number	0025400134
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 E FIRST ST CUMBERLAND MD 215023908, CUMBERLAND, MD 21502-3908

Mortgage

Document Number	0025400134
Date	Mar 13, 2020
Book Page	002540/000134

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14205

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of July 31, 2025

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		$51,000 (+12.09%) Land $1,500 Building $49,500	$51,000 (-) Land $1,500 Building $49,500
2025	$417.00 (+30.31%)	$45,500 (+31.88%)	$51,000 (+47.83%) Land $1,500 Building $49,500
2023	$320.00	$34,500 Land $1,500 Building $33,000	$34,500 Land $1,500 Building $33,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	5 (1978–1995)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jun 1995 · rainfall accumulation

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

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	None beyond ember reach

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 859 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Skypacket Networks Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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