12036 Iris Ave, Cumberland, MD 21502 Property Records

Allegany County property record for 12036 Iris Ave, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,296 sqft · built 1947
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (May 2023)
Tax Bill	$1,067 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-041337`

Property Details

APN / Parcel Number

Primary APN	`06-041337`
Alternative APNs	`6041337` `041337`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Total Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	041337
Street Address	12036 IRIS AVE
City	CUMBERLAND
State	MD
Zip	21502-5428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IRIS AVE LOT 3 BLK 49 50X120 G&H ADDN
Legal Subdivision	POTOMAC PARK ADDITION
Legal Block	49
Legal Lot Number	3
Jurisdiction	ALLEGANY MD
Township / Civil Division	6, CUMBERLAND
Census Block Group	1
Census Block	1027
Census Tract	1300

Owner

12036 Iris Ave is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12036 IRIS AVE, CUMBERLAND, MD 21502-5428
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 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL COMMUNITY CREDIT UNION
Dec 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU
May 25, 2023	Deed, Transfer
Mar 1, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2023 · Amount on File
Deed Sale	May 25, 2023 · Amount on File
Deed Book / Page	2882 / 104
Prior Transfer Date	Jan 13, 2023
Prior Transfer Doc	002860-0186
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Recording Date	Sep 3, 2026
Property Address	12036 IRIS AVE, CUMBERLAND, MD 21502-5428
Document Number	3192000057
Book / Page	3192 / 57
Instrument Date	Aug 31, 2026
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	RD SETTLEMENTS LLC, ELEVATED SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14208 SIXMILE RD SW, CUMBERLAND, MD 21502-7619

Mortgage

Document Number	3192000057,
Date	Sep 3, 2026
Book Page	3192/57

Lender

Name	FIRST FEDERAL COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	12036 IRIS AVE, CUMBERLAND, MD 21502-5428
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14208 SIXMILE RD SW, CUMBERLAND, MD 21502-7619

Mortgage

Document Number	002927-0141
Date	Dec 8, 2023
Book Page	2927/141

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21505

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 5, 2028

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	May 25, 2023
Property Address	12036 IRIS AVE, CUMBERLAND, MD 21502-5428
Document Number	002882-0104
Book / Page	2882 / 104
Map Reference	LB 28060 FO 186
Instrument Date	Apr 27, 2023
Transaction Type	Transfer
Record Updated	Jun 20, 2023

Transaction

Amount	Amount on Record
Tax	$75.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12036 IRIS AVE, CUMBERLAND, MD 21502-5428

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGANY MD
Recording Date	Mar 1, 2023
Property Address	12036 IRIS AVE, CUMBERLAND, MD 21502-5428
Document Number	002860-0186
Book / Page	2860 / 186
Instrument Date	Jan 13, 2023
Transaction Type	Transfer
Record Updated	Mar 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 838, CUMBERLAND, MD 21501-0838

Tax Assessment & Valuation

The 2025 property tax bill for 12036 Iris Ave was $1,067.

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		$82,600 (+1.43%) Land $8,000 Building $74,600	$82,600 (-) Land $8,000 Building $74,600
2025	$1,067.00	$81,433	$82,600 Land $8,000 Building $74,600
2023	$859.00	$79,100 Land $8,000 Building $71,100	$79,100 Land $8,000 Building $71,100

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

Flood

FEMA maps place 12036 Iris Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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 (1996)
Most Recent Claim	Sep 1996 · Severe Storms And Flooding Assoc With Tropical Storm Fran

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 12036 Iris Ave 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	EASTERN REGION ALLEGANY DISTRIB. SYSTEM serves 5,703 people · EPA ID MD0010005
Water Source	Purchased surface water from CITY OF CUMBERLAND
Last State Inspection	May 2023

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 172 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
SkyPacket Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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