1114 Bedford St, Cumberland, MD 21502 Property Records

Allegany County property record for 1114 Bedford St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,363 sqft · built 1963
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,000 (Jun 2024)
Tax Bill	$1,615 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-023874`

Property Details

APN / Parcel Number

Primary APN	`05-023874`
Alternative APNs	`5023874` `023874`

Interior

Full Baths	3 Baths
Building Area	1,363 sqft Total Area
Basement Area	180 sqft
Finished Basement	1,363 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	368 sqft
Deck Area	648 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	023874
Street Address	1114 BEDFORD ST
City	CUMBERLAND
State	MD
Zip	21502-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEDFORD ST LOT 1 PT 2 75X200 DAMM ADDN
Legal Subdivision	DAMM ADD
Legal Lot Number	1
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	1114 BEDFORD ST, CUMBERLAND, MD 21502-1209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 6, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST MTG SVCS GROUP INC
Mar 10, 2020	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR
Oct 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 8, 2019	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Dec 1, 2021 · Amount on Record
Deed Book / Page	2980 / 1
Prior Transfer Date	Jul 24, 2018
Prior Transfer Doc	0024380376
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 1, 2021
Property Address	1114 BEDFORD ST, CUMBERLAND, MD 21502-1209
Document Number	002728-0478
Book / Page	2728 / 478
Map Reference	LB 47 FO 201
Instrument Date	Nov 10, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
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	1114 BEDFORD ST, CUMBERLAND, MD 21502-1209

Mortgage

Document Number	0002728483
Date	Dec 1, 2021
Instrument	2728/483

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1114 BEDFORD ST, CUMBERLAND, MD 21502-1209
Document Number	0025940250
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 BEDFORD ST CUMBERLAND MD 215021209, CUMBERLAND, MD 21502-1209

Mortgage

Document Number	0025940250
Date	Oct 13, 2020
Book Page	002594/000250

Lender

Name	FIRST MTG SVCS GROUP INC
Address	CUMBERLAND, MD 21502

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1114 BEDFORD ST, CUMBERLAND, MD 21502-1209
Document Number	0025440327
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 BEDFORD ST CUMBERLAND MD 215021209, CUMBERLAND, MD 21502-1209

Mortgage

Document Number	0025440327
Date	Mar 30, 2020
Book Page	002544/000327

Lender

Name	MANUFACTURERS & TRADERS TR

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 12, 2018
Property Address	1114 BEDFORD ST, CUMBERLAND, MD 21502-1209
Document Number	0024190084
Book / Page	002419 / 000084
Instrument Date	Jul 24, 2018
Transaction Type	Transfer
Record Updated	Nov 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1114 BEDFORD ST CUMBERLAND MD 215021209, CUMBERLAND, MD 21502-1209

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 8, 2019
Property Address	1114 BEDFORD ST, CUMBERLAND, MD 21502-1209
Document Number	0024380376
Book / Page	002438 / 000376
Instrument Date	Jul 24, 2018
Transaction Type	Transfer
Record Updated	Jan 21, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 BEDFORD ST CUMBERLAND MD 215021209, CUMBERLAND, MD 21502-1209

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		$198,000 (+12.35%) Land $12,700 Building $185,300	$198,000 (-) Land $12,700 Building $185,300
2025	$1,615.00 (+30.88%)	$176,233 (+32.81%)	$198,000 (+49.21%) Land $12,700 Building $185,300
2023	$1,234.00 Homeowner's exemption	$132,700 Land $12,700 Building $120,000	$132,700 Land $12,700 Building $120,000

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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