Allegany County property record for 12407 Pine Tree Ln SE, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,480 sqft · built 1960 |
| Lot Size | 1.26 acres (54,886 sqft) |
| Owner | Individual Name on File |
| Last Sale | $46,000 (Jul 2016) |
| Tax Bill | $1,616 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-005517 |
| Primary APN | 16-005517 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,480 sqft Total Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 54,886 sqft (1.26 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 352 sqft |
| Deck Area | 208 sqft |
| Shed | 1 Shed |
| Shed Area | 720 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 005517 |
|---|---|
| Street Address | 12407 PINE TREE LN SE |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-8409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.26A N/S UHL HWY ON LANE 217X283 330X148 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 16, NORTH BRANCH |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 200 |
12407 Pine Tree Ln SE is owned and occupied by an individual who bought it in July 2016.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12407 PINE TREE LN SE, CUMBERLAND, MD 21502-8409 |
| 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.
| Date | Document |
|---|---|
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHESSIE FCU |
| Feb 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CHESSIE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2016 · Amount on File |
| Deed Sale | Jul 26, 2016 · Amount on File |
| Prior Sale | Mar 24, 2016 · Amount on File |
| Deed Book / Page | 2230 / 81 |
| Prior Transfer Date | Apr 27, 2015 |
| Prior Transfer Doc | 0021310081 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 12407 PINE TREE LN SE, CUMBERLAND, MD 21502-8409 |
| Document Number | 0025930478 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 12407 PINE TREE LN SE CUMBERLAND MD 215028409, CUMBERLAND, MD 21502-8409 |
| Document Number | 0025930478 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 002593/000478 |
| Name | CHESSIE FCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 12407 PINE TREE LN SE, CUMBERLAND, MD 21502-8409 |
| Document Number | 0022800377 |
| Book / Page | 002280 / 000377 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 12407 PINE TREE LN SE CUMBERLAND MD 215028409, CUMBERLAND, MD 21502-8409 |
| Document Number | 0022800377 |
|---|---|
| Date | Mar 1, 2017 |
| Book Page | 002280/000377 |
| Name | CHESSIE FCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
The 2025 property tax bill for 12407 Pine Tree Ln SE was $1,616 with a homeowner's exemption.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $154,000 | $164,600 Land $35,600 Building $129,000 | |
| 2025 | $1,616.00 Homeowner's exemption | ||
| 2023 | $1,386.00 Homeowner's exemption | $127,833 | $132,800 Land $35,600 Building $97,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12407 Pine Tree Ln SE in Zone X, an area of minimal flood risk, though there have been 8 flood claims 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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 8 (1996–2025) |
| Most Recent Claim | May 2025 · river or lake flooding |
| Claims by Event |
|
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 risk around 12407 Pine Tree Ln SE is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| SkyPacket Fixed Wireless | 100 / 20 |
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