Allegany County property record for 145 Ormand St, Frostburg, MD 21532
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 878 sqft · built 1989 |
| Lot Size | 0.251 acres (10,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Sep 2017) |
| Tax Bill | $1,317 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-002265 |
| Primary APN | 26-002265 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 878 sqft Total Area |
| Basement Area | 350 sqft |
| Finished Basement | 350 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,920 sqft (0.251 acres) |
| Garage Type | Basement |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 002265 |
|---|---|
| Street Address | 145 ORMAND ST |
| City | FROSTBURG |
| State | MD |
| Zip | 21532-1613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 145 ORMAND ST HITCHENS 1ST 60X182 61X179 |
| Legal Subdivision | FROST HEIRS ADD |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 26, FROSTBURG |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 1800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Frostburg Historic District listed 1983 · 356 contributing resources · NRIS 83002918 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
145 Ormand St is owned and occupied by an individual who bought it in September 2017.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 145 ORMAND ST, FROSTBURG, MD 21532-1613 |
| 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 |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage USAA FSB |
| Sep 7, 2017 | Grant Deed, Transfer · Conventional with PMI USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2017 · Amount on File |
| Deed Sale | Sep 7, 2017 · Amount on File |
| Prior Sale | Mar 4, 2011 · Amount on File |
| Deed Document Number | 20172324-281 |
| Deed Book / Page | 2324 / 281 |
| Transfer Doc | 001236-0450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 145 ORMAND ST, FROSTBURG, MD 21532-1613 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002732-0494 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 2732/494 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Sep 7, 2017 |
| Property Address | 145 ORMAND ST, FROSTBURG, MD 21532-1613 |
| Document Number | 0023240281 |
| Book / Page | 002324 / 000281 |
| Instrument Date | Aug 31, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 145 ORMAND ST FROSTBURG MD 215321613, FROSTBURG, MD 21532-1613 |
| Document Number | 23240289 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 002324/000289 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2047 |
The 2025 property tax bill for 145 Ormand St was $1,317.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Frostburg City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $135,667 (+4.76%) | $148,000 (+14.29%) Land $28,200 Building $119,800 | |
| 2025 | $1,317.00 | $129,500 Land $20,700 Building $108,800 | $129,500 Land $20,700 Building $108,800 |
| 2023 | $1,154.00 | $114,300 | $129,500 Land $20,700 Building $108,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 145 Ormand St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 12, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 145 Ormand 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 |
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 FROSTBURG serves 11,000 people · EPA ID MD0010011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2022–2024) 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 267 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| SkyPacket Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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