1131 Braddock Rd, Lavale (Cumberland), MD 21502 Property Records

Allegany County property record for 1131 Braddock Rd, Lavale, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 972 sqft · built 1946
Lot Size	0.292 acres (12,735 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (Jun 2026)
Tax Bill	$838 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`29-021171`

Property Details

APN / Parcel Number

Primary APN	`29-021171`
Alternative APN	`021171`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	972 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,735 sqft (0.292 acres)
Garage Type	Mixed
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	021171
Street Address	1131 BRADDOCK RD
City	CUMBERLAND
State	MD
Zip	21502-7540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	1131 BRADDOCK RD LOT 11 PT 10 60X200 ALLEG GROVE 61X221
Legal Subdivision	ALLEGANY GROVE CAMP GROUND
Legal Lot Number	11
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	1
Census Block	1022
Census Tract	1402

Owner

1131 Braddock Rd is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	16616 MCMULLEN HWY SW, CUMBERLAND, MD 21502-6210
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed of Trust, Mortgage · Line of Credit SOMERSET TRUST
Jun 30, 2026	Deed, Transfer · Conventional Mortgage SOMERSET TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Deed Book / Page	3177 / 180
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Recording Date	Sep 4, 2026
Property Address	1131 BRADDOCK RD, CUMBERLAND, MD 21502-7540
Document Number	3192000289
Book / Page	3192 / 289
Instrument Date	Aug 31, 2026
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16616 MCMULLEN HWY SW, CUMBERLAND, MD 21502-6210

Mortgage

Document Number	3192000289,
Date	Sep 4, 2026
Book Page	3192/289

Lender

Name	SOMERSET TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 30, 2026
Property Address	1131 BRADDOCK RD, CUMBERLAND, MD 21502-7540
Document Number	3177000180
Book / Page	3177 / 180
Instrument Date	Jun 23, 2026
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62,620.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16616 MCMULLEN HWY SW, CUMBERLAND, MD 21502-6210

Mortgage

Document Number	3177000185,
Date	Jun 30, 2026
Book Page	3177/185

Lender

Name	SOMERSET TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1131 Braddock Rd was $838 with a homeowner's exemption.

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		$90,267 (+6.66%)	$95,900 (-) Land $23,600 Building $72,300
2025	$838.00 Homeowner's exemption	$84,633	$95,900 Land $23,600 Building $72,300
2023	$820.00 Homeowner's exemption	$75,900	$79,000 Land $20,600 Building $58,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1131 Braddock Rd in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	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

Wildfire risk around 1131 Braddock Rd 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.

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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