Allegany County property record for 12818 McKay Ave, Cresaptown, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 904 sqft · built 1940 |
| Lot Size | 0.201 acres (8,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,000 (Jun 2022) |
| Tax Bill | $760 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-023421 |
| Primary APN | 07-023421 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 904 sqft Total Area |
| Attic | Attic |
| Attic Area | 300 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,750 sqft (0.201 acres) |
| Lot Dimensions | 175 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 204 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 023421 |
|---|---|
| Street Address | 12818 MCKAY AVE |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-5528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12818 MCKAY AVE LOT 176 PT 175 50X175 CRESAP PARK |
| Legal Subdivision | PARCEL OF GROUND LYING AND BEING |
| Legal Lot Number | 176 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 7, CRESAPTOWN/BEL AIR |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 2000 |
Source: Allegany County records, as of October 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12818 MCKAY AVE, CUMBERLAND, MD 21502-5528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2022 · Amount on Record |
| Deed Sale | Jun 15, 2022 · Amount on Record |
| Deed Book / Page | 2791 / 8 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Jun 15, 2022 |
| Property Address | 12818 MCKAY AVE, CRESAPTOWN, MD 21502-5528 |
| Document Number | 002791-0008 |
| Book / Page | 2791 / 8 |
| Instrument Date | May 20, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2022 |
| 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 |
|---|---|
| Address | 12313 MCKAY AVE, CUMBERLAND, MD 21502 |
| Document Number | 0002791013 |
|---|---|
| Date | Jun 15, 2022 |
| Instrument | 2791-013 |
| Name | FIRST MORTGAGE SERVICES GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
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 | $76,700 (+32.62%) | $85,100 (+17.38%) Land $12,500 Building $72,600 | |
| 2025 | $760.00 (+32.4%) Homeowner's exemption | ||
| 2023 | $574.00 Homeowner's exemption | $57,833 | $72,500 Land $12,500 Building $60,000 |
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 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 |
| 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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 315 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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