1102 Bedford St, Cumberland, MD 21502 Property Records

Allegany County property record for 1102 Bedford St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,208 sqft · built 1956
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Jul 2020)
Tax Bill	$1,021 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-024811`

Property Details

APN / Parcel Number

Primary APN	`05-024811`
Alternative APNs	`5024811` `024811`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,208 sqft Total Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	152 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	024811
Street Address	1102 BEDFORD ST
City	CUMBERLAND
State	MD
Zip	21502-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1102 BEDFORD ST LOT 4 50X200
Legal Subdivision	RETREAT
Legal Lot Number	4
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	4
Census Block	4014
Census Tract	2300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1102 BEDFORD ST, CUMBERLAND, MD 21502-1209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 24, 2020	Grant Deed, Transfer · FHA Mortgage M&T BK
Sep 6, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Sep 6, 2018 · Amount on Record
Deed Book / Page	2571 / 398
Prior Transfer Date	Sep 8, 2009
Prior Transfer Doc	001625-0177
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1102 BEDFORD ST, CUMBERLAND, MD 21502-1209
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 BEDFORD ST, CUMBERLAND, MD 21502-2304

Mortgage

Document Number	002747-0334
Date	Jan 26, 2022
Book Page	2747/334

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Aug 1, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jul 24, 2020
Property Address	1102 BEDFORD ST, CUMBERLAND, MD 21502-1209
Document Number	0025710398
Book / Page	002571 / 000398
Instrument Date	Jul 16, 2020
Transaction Type	Transfer
Record Updated	Aug 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
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	1102 BEDFORD ST CUMBERLAND MD 215021209, CUMBERLAND, MD 21502-1209

Mortgage

Document Number	25710404
Date	Jul 24, 2020
Book Page	002571/000404

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 6, 2018
Property Address	1102 BEDFORD ST, CUMBERLAND, MD 21502-1209
Document Number	0024090467
Book / Page	002409 / 000467
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	Sep 20, 2018

Transaction

Amount	Amount Recorded
Tax	$185.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13205 JUDITH LN CUMBERLAND MD 21502, CUMBERLAND, MD 21502

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		$123,800 (+11.16%) Land $11,500 Building $112,300	$123,800 (-) Land $11,500 Building $112,300
2025	$1,021.00 (+26.99%)	$111,367 (+28.75%)	$123,800 (+43.12%) Land $11,500 Building $112,300
2023	$804.00	$86,500 Land $11,500 Building $75,000	$86,500 Land $11,500 Building $75,000

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 Policies	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Apr 2024 · 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 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.05% 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 166 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

May also be available: Crowsnest Broadband, Verizon.

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