12 Walker Rd, Cumberland, MD 21502 Property Records

Allegany County property record for 12 Walker Rd, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,584 sqft · built 1953
Lot Size	0.412 acres (17,957 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,020 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-020361`

Property Details

APN / Parcel Number

Primary APN	`29-020361`
Alternative APN	`020361`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,584 sqft Total Area
Attic	Attic
Attic Area	500 sqft
Basement Area	528 sqft
Finished Basement	528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Brick
Roof Material	Metal
Lot Area	17,957 sqft (0.412 acres)
Lot Dimensions	143 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	020361
Street Address	12 WALKER RD
City	CUMBERLAND
State	MD
Zip	21502-7712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 WALKER RD 125X143 144
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	1
Census Block	1017
Census Tract	1401

Owner

12 Walker Rd is owned and occupied by two individuals who acquired it in September 2006.

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 File
Mailing Address	12 WALKER RD, CUMBERLAND, MD 21502-7712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit CHESSIE FEDERAL CREDIT UNION
Apr 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHESSIE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2006
Deed Sale	Sep 7, 2006
Deed Document Number	200661952
Deed Book / Page	1306 / 244
Prior Transfer Date	Aug 31, 2006
Prior Transfer Doc	001306-0244
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Recording Date	Jun 24, 2026
Property Address	12 WALKER RD, CUMBERLAND, MD 21502-7712
Document Number	3174000181
Book / Page	3174 / 181
Instrument Date	Jun 24, 2026
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WALKER RD, CUMBERLAND, MD 21502-7712

Mortgage

Document Number	3174000181,
Date	Jun 24, 2026
Book Page	3174/181

Lender

Name	CHESSIE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 4, 2051

Interest

Rate	6.53%
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	12 WALKER RD, LAVALE, MD 21502-7712
Document Number	0024620463
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	May 16, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 WALKER RD CUMBERLAND MD 215027712, CUMBERLAND, MD 21502-7712

Mortgage

Document Number	0024620463
Date	May 2, 2019
Book Page	002462/000463

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 12 Walker Rd was $2,020 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		$237,133 (+17.53%)	$272,500 (-) Land $46,600 Building $225,900
2025	$2,020.00 Homeowner's exemption	$201,767	$272,500 Land $46,600 Building $225,900
2023	$1,636.00 Homeowner's exemption	$157,100	$166,400 Land $41,300 Building $125,100

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

Flood

FEMA maps place 12 Walker Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · 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

Wildfire risk around 12 Walker Rd is low, with a 0.01% 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	0.01% 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: SkyPacket.

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