14602 Spruce St, Cumberland, MD 21502 Property Records

Allegany County property record for 14602 Spruce St, Cumberland, MD 21502 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,324 sqft · built 1930
Lot Size	0.186 acres (8,088 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Dec 2022)
Tax Bill	$1,690 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-021712`

Property Details

APN / Parcel Number

Primary APN	`07-021712`
Alternative APNs	`7021712` `021712`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,324 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,088 sqft (0.186 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	021712
Street Address	14602 SPRUCE ST
City	CUMBERLAND
State	MD
Zip	21502-5648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8088 SF LOTS 33-34 PINEHURST
Legal Subdivision	PINEHURST ADDITION
Legal Lot Number	33,34
Jurisdiction	ALLEGANY MD
Township / Civil Division	7, CRESAPTOWN/BEL AIR
Census Block Group	4
Census Block	4003
Census Tract	2000

Owner

Source: Allegany County records · APN 07-021712

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	14602 SPRUCE ST, CUMBERLAND, MD 21502-5648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 06, 2019	Grant Deed, Transfer · Conventional with PMI STANDARD BK PASB
May 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Jun 06, 2019 · Amount on Record
Prior Transfer Date	Jul 28, 2016
Prior Transfer Doc	0022340027
Record Updated	Sep 20, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 22, 2022
Property Address	14602 SPRUCE ST, CRESAPTOWN, MD 21502-5648
Document Number	002842-0174
Book / Page	2842 / 174
Instrument Date	Nov 17, 2022
Transaction Type	Transfer
Record Updated	Jan 06, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14602 SPRUCE ST, CUMBERLAND, MD 21502-5648

Mortgage

Document Number	0028420180
Date	Dec 22, 2022
Instrument	2842-0180

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 06, 2019
Property Address	14602 SPRUCE ST, CRESAPTOWN, MD 21502-5648
Document Number	0024710233
Book / Page	002471 / 000233
Instrument Date	Jun 05, 2019
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$527.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	T4602 SPRUCE ST CRESAPTOWN MD 21502, CRESAPTOWN, MD 21502

Mortgage

Document Number	24710238
Date	Jun 06, 2019
Book Page	002471/000238

Lender

Name	STANDARD BK PASB
Address	MONROEVILLE, PA 15146

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 05, 2049

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY MD
Recording Date	May 10, 2017
Property Address	14602 SPRUCE ST, CRESAPTOWN, MD 21502-5648
Document Number	0022980348
Book / Page	002298 / 000348
Instrument Date	May 17, 2017
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14602 SPRUCE ST CRESAPTOWN MD 215025648, CRESAPTOWN, MD 21502-5648

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
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		$132,700 (+3.43%)	$141,500 (+10.29%) Land $12,500 Building $129,000
2025	$1,690.00 (+68.49%)	$128,300 (+39%) Land $12,500 Building $115,800	$128,300 (-) Land $12,500 Building $115,800
2023	$1,003.00	$92,300	$128,300 Land $12,500 Building $115,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allegany County (24001C), updated November 12, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240010020004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	3 in force

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 258 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cogeco Cable Holdings II	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Skypacket Networks	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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