Allegany County property record for 1406 E Oldtown Rd, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,869 sqft · built 1970 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,940 (Jun 2013) |
| Tax Bill | $1,365 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Feb 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-033051 |
| Primary APN | 04-033051 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,869 sqft Total Area |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,365 sqft (0.215 acres) |
| Porch | Slab |
| Porch Area | 449 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 033051 |
|---|---|
| Street Address | 1406 E OLDTOWN RD |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-4024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLDTOWN RD LOT 12 PT 11 60X135 BROOKLAND ADDN 74X144 |
| Legal Subdivision | BROOKLAND ADD |
| Legal Lot Number | 12 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 4, CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1083 |
| Census Tract | 600 |
1406 E Oldtown Rd is owned and occupied by an individual who bought it in June 2013.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 264, CUMBERLAND, MD 21501-0264 |
| 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 |
|---|---|
| Oct 17, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 12, 2024 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 17, 2023 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2013 · Amount on File |
| Deed Sale | Jun 10, 2013 · Amount on File |
| Prior Sale | Jun 10, 2013 · Amount on File |
| Deed Book / Page | 1972 / 162 |
| Prior Transfer Date | Oct 18, 2012 |
| Prior Transfer Doc | 0019720159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 1406 E OLDTOWN RD, CUMBERLAND, MD 21502-4024 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1406 E OLDTOWN RD, CUMBERLAND, MD 21502-4024 |
| Document Number | 003103-0449 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | 3103/449 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 1406 E OLDTOWN RD, CUMBERLAND, MD 21502-4024 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 002944-0138 |
|---|---|
| Date | Feb 12, 2024 |
| Book Page | 2944/138 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 1406 E OLDTOWN RD, CUMBERLAND, MD 21502-4024 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2023 |
| Title Company | NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1406 E OLDTOWN RD, CUMBERLAND, MD 21502-4024 |
| Document Number | 002864-0215 |
|---|---|
| Date | Mar 17, 2023 |
| Book Page | 2864/215 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
The 2025 property tax bill for 1406 E Oldtown Rd was $1,365 with a homeowner's exemption.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $229,700 Land $12,800 Building $216,900 | $229,700 Land $12,800 Building $216,900 | |
| 2025 | $1,365.00 Homeowner's exemption | ||
| 2023 | $1,261.00 Homeowner's exemption | $142,100 Land $12,800 Building $129,300 | $142,100 Land $12,800 Building $129,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1406 E Oldtown Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 Policies | 3 in force |
| Nearby Flood Claims | 2 (1996) |
| Claims Outside the SFHA | 1 of 2 |
| 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 risk around 1406 E Oldtown Rd 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 | 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 |
| 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 513 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 |
| Verizon Fixed Wireless | 300 / 20 |
| SkyPacket Fixed Wireless | 100 / 20 |
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