14601 Spruce St, Cumberland, MD 21502 Property Records

Allegany County property record for 14601 Spruce St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 846 sqft · built 1934
Lot Size	0.132 acres (5,758 sqft)
Owner	Individual Name on File
Last Sale	$92,000 (Mar 2021)
Tax Bill	$990 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-005032`

Property Details

APN / Parcel Number

Primary APN	`07-005032`
Alternative APNs	`7005032` `005032`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	846 sqft Total Area
Attic	Attic
Attic Area	300 sqft
Basement Area	120 sqft
Finished Basement	120 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,758 sqft (0.132 acres)
Porch	Porch
Porch Area	84 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	005032
Street Address	14601 SPRUCE ST
City	CUMBERLAND
State	MD
Zip	21502-5652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14601 SPRUCE ST LOT 36 20X119 85X100
Legal Subdivision	PINEHURST ADD CRESAPTOWN
Legal Lot Number	36
Jurisdiction	ALLEGANY MD
Township / Civil Division	7, CRESAPTOWN/BEL AIR
Census Block Group	4
Census Block	4003
Census Tract	2000

Owner

14601 Spruce St is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	14601 SPRUCE ST, CUMBERLAND, MD 21502-5652
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Prior Sale	Jan 27, 2016 · Amount on File
Deed Book / Page	2643 / 103
Transfer Doc	001481-0255
Record Updated	Oct 29, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Mar 24, 2021
Property Address	14601 SPRUCE ST, CRESAPTOWN, MD 21502-5652
Document Number	002643-0103
Book / Page	2643 / 103
Map Reference	BOX 92
Instrument Date	Feb 22, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	14601 SPRUCE ST, CUMBERLAND, MD 21502-5652

Mortgage

Document Number	0002643111
Date	Mar 24, 2021
Instrument	2643/111

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 14601 Spruce St was $990.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,100 (+6.52%)	$89,900 (+19.55%) Land $12,500 Building $77,400
2025	$990.00	$75,200 Land $12,500 Building $62,700	$75,200 Land $12,500 Building $62,700
2023	$703.00	$64,733	$75,200 Land $12,500 Building $62,700

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

Flood

FEMA maps place 14601 Spruce St in Zone X, an area of minimal flood risk.

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

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 14601 Spruce 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.

Drinking Water

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

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 258 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

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