15 Ritchie St, Cumberland, MD 21502 Property Records

Allegany County property record for 15 Ritchie St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,530 sqft · built 1975
Lot Size	0.225 acres (9,800 sqft)
Owner	Individual Name on File
Last Sale	$120,500 (Mar 2016)
Tax Bill	$1,299 (2025)
Deeds & Mortgages	Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-043151`

Property Details

APN / Parcel Number

Primary APN	`06-043151`
Alternative APNs	`6043151` `043151`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,530 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,800 sqft (0.225 acres)
Garage Type	Basement
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	405 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	043151
Street Address	15 RITCHIE ST
City	CUMBERLAND
State	MD
Zip	21502-3334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15 RITCHIE ST LOTS 1-2-3-4 100X99 BLK 15 RH ADDN 106X90
Legal Subdivision	ROSE MILL ADDITION
Legal Block	15
Legal Lot Number	1-4
Jurisdiction	ALLEGANY MD
Township / Civil Division	6, CUMBERLAND
Census Block Group	1
Census Block	1010
Census Tract	1200

Owner

15 Ritchie St is owned and occupied by an individual who acquired it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	15 RITCHIE ST, CUMBERLAND, MD 21502-3334
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 31, 2016 · Amount on File
Deed Sale	Mar 31, 2016 · Amount on File
Deed Book / Page	2203 / 124
Last Transfer Date	Jun 25, 2018
Transfer Doc	0023920437
Record Updated	Oct 29, 2026

June 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 29, 2018
Property Address	15 RITCHIE ST, CUMBERLAND, MD 21502-3334
Document Number	0023920437
Book / Page	002392 / 000437
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 23, 2018
Title Company	ALLEGHENY HIGHLANDS TITLE SETT

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RITCHIE ST CUMBERLAND MD 215023334, CUMBERLAND, MD 21502-3334

Mortgage

Document Number	23920442
Date	Jun 29, 2018
Book Page	002392/000442

Lender

Name	FIRST PEOPLES CMNTY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21501

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 15 Ritchie St was $1,299.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,300 (+10.3%) Land $11,400 Building $144,900	$156,300 (-) Land $11,400 Building $144,900
2025	$1,299.00	$141,700	$156,300 Land $11,400 Building $144,900
2023	$1,046.00	$112,500 Land $11,400 Building $101,100	$112,500 Land $11,400 Building $101,100

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

Flood

FEMA maps place 15 Ritchie St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1995.

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	7 (1995–2021)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Sep 2021 · 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.

Wildfire

Wildfire risk around 15 Ritchie 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	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

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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
SkyPacket Fixed Wireless	100 / 20

May also be available: Verizon.

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