Washington County property record for 15 Cumberland St, Clear Spring, MD 21722
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 957 sqft · built 1890 |
| Lot Size | 0.107 acres (4,672 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $98,000 (Sep 2016) |
| Tax Bill | $1,073 (2026) |
| Deeds & Mortgages | Jul 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-010132 |
| Primary APN | 04-010132 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 957 sqft Total Area |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 4,672 sqft (0.107 acres) |
| Lot Dimensions | 198 ft deep x 23 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Patio Area | 64 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 010132 |
|---|---|
| Street Address | 15 CUMBERLAND ST |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1970 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | U |
| Legal Description | 23.60 X 198 15 CUMBERLAND ST 0.107 ACRES |
| Legal Subdivision | CLEARSPRING |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 4, CLEAR SPRING |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 10600 |
Source: Washington County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 15 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2016 · Amount on Record |
| Deed Sale | Sep 2, 2016 · Amount on Record |
| Deed Book / Page | 5313 / 339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 15 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 15 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 0070540338 |
|---|---|
| Date | Jul 7, 2022 |
| Book Page | 7054/338 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASHVILLE, AL 35953 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Mar 1, 2052 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Clear Spring Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,073.00 (+8.27%) | $117,800 (+8.24%) Land $35,000 Building $82,800 | $117,800 (-) Land $35,000 Building $82,800 |
| 2025 | $991.00 (+19.25%) | $108,833 (+19.73%) | $117,800 (+29.59%) Land $35,000 Building $82,800 |
| 2023 | $831.00 | $90,900 Land $35,000 Building $55,900 | $90,900 Land $35,000 Building $55,900 |
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 August 14, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Jun 2014 · other causes |
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 | 0.01% 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 | TOWN OF CLEAR SPRING serves 455 people · EPA ID MD0210005 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2020–2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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