1114 Simpson Ave, Cumberland, MD 21502 Property Records

Allegany County property record for 1114 Simpson Ave, Cumberland, MD 21502

Property Summary

Property Type	Commercial
Details	2 ba · 1,585 sqft · built 1999
Lot Size	0.25 acres (10,897 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Nov 2020)
Tax Bill	$2,982 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-027668`

Property Details

APN / Parcel Number

Primary APN	`29-027668`
Alternative APN	`027668`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,585 sqft Total Area
Basement Area	504 sqft
Finished Basement	504 sqft
Utility Area	160 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	10,897 sqft (0.25 acres)
Garage Type	Mixed
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	227 sqft
Deck Area	171 sqft
Balcony Area	182 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	027668
Street Address	1114 SIMPSON AVE
City	CUMBERLAND
State	MD
Zip	21502-7528
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	A
Legal Description	S/S SIMPSON AVE LOTS 190-192-194 77X198 PT 196 30X209
Legal Subdivision	ALLEGAN GROVE CAMPGROUNGD
Legal Lot Number	190-192
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	1
Census Block	1025
Census Tract	1402

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 SIMPSON AVE, CUMBERLAND, MD 21502-7528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Grant Deed, Transfer · Conventional with PMI HOMESPIRE MTG CORP
Jul 24, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Aug 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2020 · Amount on Record
Deed Sale	Nov 19, 2020 · Amount on Record
Prior Sale	Feb 1, 2002
Deed Book / Page	2607 / 492
Transfer Doc	0000000137
Record Updated	Oct 29, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Nov 19, 2020
Property Address	1114 SIMPSON AVE, LAVALE, MD 21502-7528
Document Number	0026070492
Book / Page	002607 / 000492
Instrument Date	Oct 23, 2020
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 SIMPSON AVE LAVALE MD 215027528, LAVALE, MD 21502-7528

Mortgage

Document Number	26070499
Date	Nov 19, 2020
Book Page	002607/000499

Lender

Name	HOMESPIRE MTG CORP
Address	GAITHERSBURG, MD 20878

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1114 SIMPSON AVE, LAVALE, MD 21502-7528
Document Number	0024010484
Instrument Date	Jul 24, 2018
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1114 SIMPSON AVE LAVALE MD 215027528, LAVALE, MD 21502-7528

Mortgage

Document Number	0024010484
Date	Aug 6, 2018
Book Page	002401/000484

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 5, 2033

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1114 SIMPSON AVE, LAVALE, MD 21502-7528
Document Number	0023240256
Book / Page	002324 / 000256
Instrument Date	Aug 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1114 SIMPSON AVE LAVALE MD 215027528, LAVALE, MD 21502-7528

Mortgage

Document Number	0023240256
Date	Sep 6, 2017
Book Page	002324/000256

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 5, 2027

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY MD
Recording Date	Mar 22, 2017
Property Address	1114 SIMPSON AVE, LAVALE, MD 21502-7528
Document Number	0022840176
Book / Page	002284 / 000176
Instrument Date	Feb 22, 2017
Transaction Type	Transfer
Record Updated	Oct 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 SIMPSON AVE LAVALE MD 215027528, LAVALE, MD 21502-7528

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$269,800 (+5.43%)	$283,700 (-) Land $39,200 Building $244,500
2025	$2,982.00 (+22.92%) Homeowner's exemption	$255,900 (+11.31%)	$283,700 (+17.23%) Land $39,200 Building $244,500
2023	$2,426.00 Homeowner's exemption	$229,900	$242,000 Land $39,200 Building $202,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 4 claims Severe Storms And Flooding, Jan 1996 · 18 claims

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
SkyPacket Fixed Wireless	100 / 20

May also be available: Verizon.

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