129 W Second St, Cumberland, MD 21502 Property Records

Allegany County property record for 129 W Second St, Cumberland, MD 21502

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,840 sqft · built 1925
Lot Size	0.025 acres (1,096 sqft)
Owner	2 Trust Names on File
Last Sale	$65,500 (Feb 2012)
Tax Bill	$523 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-038088`

Property Details

APN / Parcel Number

Primary APN	`04-038088`
Alternative APNs	`4038088` `038088`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	1,840 sqft Total Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,096 sqft (0.025 acres)
Lot Dimensions	50 ft deep x 21 ft wide
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	038088
Street Address	129 W SECOND ST
City	CUMBERLAND
State	MD
Zip	21502-3942
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	2ND ST PT LOTS 9-10 HUMBIRD & WEBERS ADDN 21.92X50
Legal Subdivision	WEBERS ADD
Legal Lot Number	9,10
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	2
Census Block	2023
Census Tract	800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chapel Hill Historic District listed 2005 · 810 contributing resources · NRIS 05001477

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

129 W Second St, a townhouse, is owner-occupied and held in a trust since August 2021.

Source: Allegany County records, as of October 1, 2026

Owner of Record	2 Trust Names on File
Mailing Address	129 W SECOND ST, CUMBERLAND, MD 21502-3942
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 10, 2021	Intrafamily Transfer, Transfer
Aug 9, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2012 · Amount on File
Deed Sale	Feb 7, 2012 · Amount on File
Prior Sale	Feb 8, 2007
Deed Book / Page	1851 / 42
Last Transfer Date	Aug 23, 2021
Transfer Doc	002699-0364
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	129 W SECOND ST, CUMBERLAND, MD 21502-3942
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 W SECOND ST, CUMBERLAND, MD 21502-3942

Mortgage

Document Number	002827-0262
Date	Oct 27, 2022
Book Page	2827/262

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGANY MD
Recording Date	Sep 10, 2021
Property Address	129 W SECOND ST, CUMBERLAND, MD 21502-3942
Document Number	002699-0364
Book / Page	2699 / 364
Instrument Date	Aug 23, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	129 W SECOND ST, CUMBERLAND, MD 21502-3942

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	129 W SECOND ST, CUMBERLAND, MD 21502-3942
Document Number	0024950456
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 W SECOND ST CUMBERLAND MD 215023942, CUMBERLAND, MD 21502-3942

Mortgage

Document Number	0024950456
Date	Sep 13, 2019
Book Page	002495/000456

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 12, 2059

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 129 W Second St was $523.

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Municipality	Cumberland City
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,300 (+10.99%) Land $6,000 Building $57,300	$63,300 (-) Land $6,000 Building $57,300
2025	$523.00	$57,033	$63,300 Land $6,000 Building $57,300
2023	$413.00	$44,500 Land $6,000 Building $38,500	$44,500 Land $6,000 Building $38,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 129 W Second St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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
Nearby Flood Claims	1 (1996)
Most Recent Claim	Sep 1996 · Severe Storms And Flooding Assoc With Tropical Storm Fran

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

Wildfire risk around 129 W Second St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CUMBERLAND serves 27,039 people · EPA ID MD0010008
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
SkyPacket Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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