130 E Elder St, Cumberland, MD 21502 Property Records

Allegany County property record for 130 E Elder St, Cumberland, MD 21502 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 1961
Square Footage	960 sqft Total Area
Lot Size	7,500 sqft (0.172 acres)
Garage	Mixed, 288 sqft
Occupancy	Owner Occupied
Last Sale	$132,000 (2007)
Tax Bill	$1,219.00 (2025)

Owner

Source: Allegany County records · APN 04-040929

Assessment roll updated July 31, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	130 E ELDER ST, CUMBERLAND, MD 21502-4708
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 02, 2007 · Amount on Record
Deed Sale	Jul 02, 2007 · Amount on Record
Prior Sale	Dec 07, 2006
Deed Doc Number	200771298
Deed Book / Page	1402 / 594
Record Refreshed	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	130 E ELDER ST, CUMBERLAND, MD 21502-4708
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002641-0180
Date	Mar 18, 2021
Book Page	2641/180

Lender

Name	STATE EMPLOYEES CU OF MD INC
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2036

Tax Assessment & Valuation

Source: Allegany County records · Assessment roll updated July 31, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$139,000 (+14.97%) Land $12,300 Building $126,700	$139,000 (+14.97%) Land $12,300 Building $126,700
2025	$1,219.00 (+8.45%)
2023	$1,124.00	$120,900 Land $12,300 Building $108,600	$120,900 Land $12,300 Building $108,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allegany County (24001C), updated November 12, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`04-040929`
Alternative APNs	`4040929` `040929`

Interior

Full Baths	2 Baths
Building Area	960 sqft Total Area
Basement Area	360 sqft Basement
Finished Basement	360 sqft Finished
Stories	1 Stories

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick Exterior
Roof Material	Composition Shingle Roof
Lot Area	7,500 sqft (0.172 acres)
Depth X Width	125 ft x 60 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Mixed Garage
Garage Area	288 sqft Garage
Patio Area	264 sqft Patio
Porch Area	138 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	040929
Street Address	130 E ELDER ST
City	CUMBERLAND
State	MD
Zip	21502-4708
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	130 ELDER ST LOTS 120-121 60X125 HUMBIRD ADDN
Legal Subdivision	HUMBIRD ADD
Legal Lot Number	120,121
Jurisdiction	ALLEGANY MD
Minor Civil Division	4, CUMBERLAND
Census Blockgroup	1
Census Block	1076
Census Tract	800