Washington County property record for 128 Cumberland St, Clear Spring, MD 21722
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 2,348 sqft · built 1820 |
| Lot Size | 0.073 acres (3,168 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,900 (Apr 2022) |
| Tax Bill | $1,975 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2019 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 04-008324 |
| Primary APN | 04-008324 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,348 sqft Total Area |
| Year Built | Built 1820 |
|---|---|
| Effective Year Built | Effective 1820 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 3,168 sqft (0.073 acres) |
| Lot Dimensions | 198 ft deep x 16 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 008324 |
|---|---|
| Street Address | 128 CUMBERLAND ST |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1973 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | U |
| Legal Description | 16X198 0.072AC 128 CUMBERLAND ST E 1/2 LT 36 |
| Legal Subdivision | CLEAR SPG |
| Legal Lot Number | 36 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 4, CLEAR SPRING |
| Census Block Group | 1 |
| Census Block | 1058 |
| Census Tract | 10600 |
Source: Washington County records, as of October 20, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 128 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 11, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 18, 2017 | Deed, Transfer · FHA Mortgage CITYWORTH MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2022 · Amount on Record |
| Deed Sale | Apr 11, 2022 · Amount on Record |
| Prior Sale | May 18, 2017 · Amount on Record |
| Deed Book / Page | 6981 / 467 |
| Prior Transfer Date | Dec 17, 2012 |
| Prior Transfer Doc | 0044860114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 128 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0063640183 |
|---|---|
| Date | Sep 17, 2020 |
| Book Page | 6364/183 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 128 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0061330266 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 6133/0266 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Apr 11, 2022 |
| Property Address | 128 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973 |
| Document Number | 0069810467 |
| Book / Page | 6981 / 467 |
| Instrument Date | Apr 4, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMTS & TTL SVCS LL |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 128 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973 |
| Document Number | 0006981473 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 6981/473 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 18, 2017 |
| Property Address | 128 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973 |
| Document Number | 0055050247 |
| Book / Page | 5505 / 0247 |
| Map Reference | LB177 FO411 |
| Instrument Date | May 9, 2017 |
| Instrument | 5505-0247 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | OLDE TOWNE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Et Ux (and Wife) |
| Address | 128 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973 |
| Document Number | 55050253 |
|---|---|
| Date | May 18, 2017 |
| Instrument | 5505-0253 |
| Name | CITYWORTH MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Clear Spring Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,975.00 (+16.38%) | $216,800 (+16.39%) Land $31,800 Building $185,000 | $216,800 (-) Land $31,800 Building $185,000 |
| 2025 | $1,697.00 (+19.68%) | $186,267 (+48.78%) | $216,800 (+73.16%) Land $31,800 Building $185,000 |
| 2024 | $1,418.00 (+23.84%) | ||
| 2023 | $1,145.00 | $125,200 Land $31,800 Building $93,400 | $125,200 Land $31,800 Building $93,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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