Allegany County property record for 12816 Darrows Ave, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,392 sqft · built 1935 |
| Lot Size | 0.502 acres (21,875 sqft) |
| Owner | Individual Name on File |
| Last Sale | $138,000 (Aug 2019) |
| Tax Bill | $1,848 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-015879 |
| Primary APN | 07-015879 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,392 sqft Total Area |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 21,875 sqft (0.502 acres) |
| Garage Type | Detached |
| Garage Area | 1,440 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 264 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 015879 |
|---|---|
| Street Address | 12816 DARROWS AVE |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-5506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12816 DARROWS LANE LT 14 PT 13 187X176 CRESAP PARK ADDN 160X175 |
| Legal Subdivision | CRESAP PARK ADD |
| Legal Lot Number | 14 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 7, CRESAPTOWN/BEL AIR |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 2000 |
12816 Darrows Ave is owned and occupied by an individual who bought it in August 2019.
Source: Allegany County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12816 DARROWS AVE, CUMBERLAND, MD 21502-5506 |
| 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 |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 1, 2019 | Grant Deed, Transfer · VA Mortgage FIRST MTG SVCS GROUP INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2019 · Amount on File |
| Deed Sale | Aug 1, 2019 · Amount on File |
| Prior Sale | May 4, 1982 · Amount on File |
| Deed Book / Page | 2485 / 489 |
| Prior Transfer Date | Mar 17, 2014 |
| Prior Transfer Doc | 0020460122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 12816 DARROWS AVE, CRESAPTOWN, MD 21502-5506 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 002661-0226 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 2661/226 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Sep 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Aug 1, 2019 |
| Property Address | 12816 DARROWS AVE, CRESAPTOWN, MD 21502-5506 |
| Document Number | 0024850489 |
| Book / Page | 002485 / 000489 |
| Instrument Date | Jul 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $966.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12816 DARROWS AVE CRESAPTOWN MD 215025506, CRESAPTOWN, MD 21502-5506 |
| Document Number | 24850493 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 002485/000493 |
| Name | FIRST MTG SVCS GROUP INC |
|---|---|
| Address | CUMBERLAND, MD 21502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 31, 2049 |
The 2025 property tax bill for 12816 Darrows Ave was $1,848.
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 | $148,000 (+5.49%) | $163,400 (+16.46%) Land $25,200 Building $138,200 | |
| 2025 | $1,848.00 | $140,300 Land $25,200 Building $115,100 | $140,300 Land $25,200 Building $115,100 |
| 2023 | $1,329.00 | $122,300 | $140,300 Land $25,200 Building $115,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12816 Darrows Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 7 (1982–2014) |
| Claims Outside the SFHA | 1 of 7 |
| 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 risk around 12816 Darrows 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 81 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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