122 Cumberland St, Clear Spring, MD 21722 Property Records

Washington County property record for 122 Cumberland St, Clear Spring, MD 21722

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,399 sqft
Lot Size	0.082 acres (3,564 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Jun 2026)
Tax Bill	$1,626 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-004043`

Property Details

APN / Parcel Number

Primary APN	`04-004043`
Alternative APN	`004043`

Interior

Units	3 Units
Stories	3 Stories
Building Area	2,399 sqft Total Area
1st Floor Area	2,399 sqft

Exterior

Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	3,564 sqft (0.082 acres)
Lot Dimensions	198 ft deep x 18 ft wide
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	004043
Street Address	122 CUMBERLAND ST
City	CLEAR SPRING
State	MD
Zip	21722-1973
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	U
Legal Description	PT LOT 36 18X198 122 CUMBERLAND ST
Legal Subdivision	CLEAR SPRING
Legal Lot Number	36
Jurisdiction	WASHINGTON MD
Township / Civil Division	4, CLEAR SPRING
Census Block Group	1
Census Block	1058
Census Tract	10600

Owner

122 Cumberland St, a commercial property, is owned by an individual who bought it in June 2026.

Source: Washington County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	9448 MORNING DEW DR, HAGERSTOWN, MD 21740-1598
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	Nov 10, 2016 · Amount on File
Deed Book / Page	7945 / 377
Prior Transfer Date	May 6, 2016
Prior Transfer Doc	0052260308
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jun 11, 2026
Property Address	122 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973
Document Number	7945000377
Book / Page	7945 / 377
Instrument Date	Jun 11, 2026
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	THE SECURITY TITLE GUARANTEE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9448 MORNING DEW DR, HAGERSTOWN, MD 21740-1598
Investor	Possibly a Property Investor

Mortgage

Document Number	7945000382,
Date	Jun 11, 2026
Book Page	7945/382

Lender

Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	96 Months
Due	Jun 1, 2034

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 122 Cumberland St was $1,626, up 6% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Clear Spring Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,626.00 (+6%)	$178,500 (+6%) Land $28,600 Building $149,900	$178,500 (-) Land $28,600 Building $149,900
2025	$1,534.00	$168,400	$178,500 Land $28,600 Building $149,900
2023	$1,356.00	$148,200 Land $28,600 Building $119,600	$148,200 Land $28,600 Building $119,600

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

Flood

FEMA maps place 122 Cumberland St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Jun 2014 · other causes

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 122 Cumberland St 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

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	TOWN OF CLEAR SPRING serves 455 people · EPA ID MD0210005
Water Source	Groundwater influenced by surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20