12 Smith St, Cumberland, MD 21502 Property Records

Allegany County property record for 12 Smith St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,600 sqft · built 1890
Lot Size	0.059 acres (2,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Aug 2024)
Tax Bill	$599 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`05-011558`

Property Details

APN / Parcel Number

Primary APN	`05-011558`
Alternative APNs	`5011558` `011558`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,600 sqft Total Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	2,568 sqft (0.059 acres)
Porch	Slab
Porch Area	120 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	011558
Street Address	12 SMITH ST
City	CUMBERLAND
State	MD
Zip	21502-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	Z-RC
Legal Description	12 SMITH ST GEPHART ADDN 31X96 23X95
Legal Subdivision	GEPHART ADD
Jurisdiction	ALLEGANY MD
Township / Civil Division	14, CUMBERLAND
Census Block Group	2
Census Block	2014
Census Tract	1000

Owner

Source: Allegany County records, as of October 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	12 SMITH ST, CUMBERLAND, MD 21502-2234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Dec 6, 2022	Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2024 · Amount on Record
Deed Sale	Aug 8, 2024 · Amount on Record
Prior Sale	Dec 6, 2022 · Amount on Record
Deed Book / Page	2987 / 159
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	12 SMITH ST, CUMBERLAND, MD 21502-2234
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SMITH ST, CUMBERLAND, MD 21502-2234

Mortgage

Document Number	002918-0416
Date	Oct 25, 2023
Book Page	2918/416

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2052

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 6, 2022
Property Address	12 SMITH ST, CUMBERLAND, MD 21502-2234
Document Number	002836-0452
Book / Page	2836 / 452
Instrument Date	Oct 14, 2022
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SMITH STREET N CENTRE STREET, CUMBERLAND, MD 21502

Mortgage

Document Number	0028360460
Date	Dec 6, 2022
Instrument	2836-0460

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2052

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		$74,000 (+54.17%) Land $6,000 Building $68,000	$74,000 (+54.17%) Land $6,000 Building $68,000
2025	$599.00 (+34.3%)
2023	$446.00	$48,000 Land $6,000 Building $42,000	$48,000 Land $6,000 Building $42,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1989–1995)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1995 · river or lake flooding

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

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
SkyPacket Fixed Wireless	100 / 20

May also be available: AT&T.

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