121 E Elder St, Cumberland, MD 21502 Property Records

Allegany County property record for 121 E Elder St, Cumberland, MD 21502 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1900
Square Footage	1,508 sqft Total Area
Lot Size	7,500 sqft (0.172 acres)
Garage	Detached, 624 sqft
Occupancy	Owner Occupied
Last Sale	$73,000 (2021)
Tax Bill	$786.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`04-025628`
Alternative APNs	`4025628` `025628`

Interior

Full Baths	1 Baths
Building Area	1,508 sqft Total Area
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	7,500 sqft (0.172 acres)
Depth X Width	125 ft x 60 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	624 sqft Garage
Deck Area	48 sqft Deck
Porch Area	243 sqft Porch

Utilities and HVAC

Heating System	Baseboard Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	025628
Street Address	121 E ELDER ST
City	CUMBERLAND
State	MD
Zip	21502-4707
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	121 ELDER ST LOTS 186-187 60X125 HUMBIRD LAND CO
Legal Subdivision	HUMBIRD LAND & IMPROV COM
Legal Lot Number	186,187
Jurisdiction	ALLEGANY MD
Minor Civil Division	4, CUMBERLAND
Census Blockgroup	1
Census Block	1077
Census Tract	800

Owner

Source: Allegany County records · APN 04-025628

Assessment roll updated July 31, 2025 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	121 E ELDER ST, CUMBERLAND, MD 21502-4707
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 25, 2021 · Amount on Record
Deed Sale	Feb 25, 2021 · Amount on Record
Deed Book / Page	2635 / 307
Prior Transfer Date	Jun 21, 2012
Prior Transfer Doc	001883-0085
Record Refreshed	Sep 20, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Feb 25, 2021
Property Address	121 E ELDER ST, CUMBERLAND, MD 21502-4707
Document Number	002635-0307
Book / Page	2635 / 307
Map Reference	MB 1 FO 8
Instrument Date	Feb 05, 2021
Transaction Type	Transfer
Record Updated	May 02, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 E ELDER ST, CUMBERLAND, MD 21502-4707

Mortgage

Document Number	0002635312
Date	Feb 25, 2021
Instrument	2635/312

Lender

Name	CHESSIE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Mar 01, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.37%
Index	1-Year CMT
Margin	3
Max Rate	8.37%

Tax Assessment & Valuation

Source: Allegany County records · Assessment roll updated July 31, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$95,100 (+10.88%) Land $12,300 Building $82,800	$95,100 (-) Land $12,300 Building $82,800
2025	$786.00 (+25.96%)	$85,767 (+27.82%)	$95,100 (+41.73%) Land $12,300 Building $82,800
2023	$624.00	$67,100 Land $12,300 Building $54,800	$67,100 Land $12,300 Building $54,800