Allegany County property record for 12822 McKay Ave, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 912 sqft · built 1945 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $38,500 (May 2017) |
| Tax Bill | $873 (2025) |
| Deeds & Mortgages | May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-022166 |
| Primary APN | 07-022166 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 912 sqft Total Area |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 175 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 022166 |
|---|---|
| Street Address | 12822 MCKAY AVE |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-5528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12822 MCKAY AVE LOT 174 40X175 |
| Legal Lot Number | 174 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 7, CRESAPTOWN/BEL AIR |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 2000 |
12822 McKay Ave is owned and occupied by an individual who bought it in May 2017.
Source: Allegany County records, as of October 1, 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 File |
|---|---|
| Mailing Address | 12822 MCKAY AVE, CUMBERLAND, MD 21502-5528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2017 · Amount on File |
| Deed Sale | May 9, 2017 · Amount on File |
| Prior Sale | May 29, 2009 |
| Deed Document Number | 20172295-449 |
| Deed Book / Page | 2295 / 449 |
| Prior Transfer Date | May 27, 2009 |
| Prior Transfer Doc | 001591-0344 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | May 9, 2017 |
| Property Address | 12822 MCKAY AVE, CRESAPTOWN, MD 21502-5528 |
| Document Number | 0022950449 |
| Book / Page | 002295 / 000449 |
| Instrument Date | Apr 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $269.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12822 MCKAY AVE CRESAPTOWN MD 215025528, CRESAPTOWN, MD 21502-5528 |
| Document Number | 22950455 |
|---|---|
| Date | May 9, 2017 |
| Book Page | 002295/000455 |
| Name | FIRST PEOPLES CMNTY FCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21501 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 8, 2032 |
| Document Number | 22950473, |
|---|---|
| Date | May 9, 2017 |
| Book Page | 002295/000473 |
| Name | FIRST PEOPLES CFCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21502 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 12822 McKay Ave was $873.
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 | $70,033 (+5.63%) | $77,500 (+16.89%) Land $12,500 Building $65,000 | |
| 2025 | $873.00 | $66,300 Land $12,500 Building $53,800 | $66,300 Land $12,500 Building $53,800 |
| 2023 | $590.00 | $54,300 | $66,300 Land $12,500 Building $53,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12822 McKay Ave in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.
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.
Wildfire risk around 12822 McKay Ave is low, with a 0.02% 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 | 0.02% 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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