Allegany County property record for 15 Commerce Dr, Cumberland, MD 21502
| Property Type | Bank, Financial Building |
|---|---|
| Details | 21,078 sqft · built 1991 |
| Lot Size | 1.69 acres (73,616 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,500,000 (Oct 2012) |
| Tax Bill | $29,891 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-012210 |
| Primary APN | 34-012210 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 21,078 sqft Total Area |
| 1st Floor Area | 21,078 sqft |
| Fire Sprinklers | Fire Sprinklers |
| Elevator | Elevator |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Block |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 73,616 sqft (1.69 acres) |
| Shed | 1 Shed |
| Canopy | 1,776 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 012210 |
|---|---|
| Street Address | 15 COMMERCE DR |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-1058 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Local Zoning Code | B-2 |
| Legal Description | 1.69A CENTER DR LOT 4 COMMERCE CENTER PARK |
| Legal Subdivision | COMMERCE CENTER |
| Legal Lot Number | 4 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 23, DECATUR |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 2300 |
Source: Allegany County records, as of October 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 689, CUMBERLAND, MD 21501-0689 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2012 · Amount on Record |
| Deed Sale | Oct 3, 2012 · Amount on Record |
| Deed Book / Page | 1909 / 344 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 15 COMMERCE DR, CUMBERLAND, MD 21502-1058 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002668-0184 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 2668/184 |
| Name | CHESSIE FCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 367 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.12% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.12% |
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 | $3,320,600 (+3.7%) | $3,379,800 (+5.55%) Land $126,700 Building $3,253,100 | |
| 2025 | $29,891.00 (+0.34%) | ||
| 2023 | $29,790.00 | $3,202,200 Land $126,700 Building $3,075,500 | $3,202,200 Land $126,700 Building $3,075,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Apr 2024 · rainfall accumulation |
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.
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 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| SkyPacket Fixed Wireless | 100 / 20 |
May also be available: Crowsnest Broadband, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures