1507 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 1507 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,836 sqft · built 1935
Lot Size	0.43 acres (18,750 sqft)
Owner	2 Individual Names on File
Last Sale	$48,000 (Jun 2018)
Tax Bill	$691 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-012766`

Property Details

APN / Parcel Number

Primary APN	`23-012766`
Alternative APN	`012766`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,836 sqft Total Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,750 sqft (0.43 acres)
Lot Dimensions	150 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	313 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	012766
Street Address	1507 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1507 FREDERICK ST LOTS 235-36-37- 125X150 38-39 WELCH ADDN
Legal Subdivision	WELCH ADD
Legal Lot Number	37
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	2
Census Block	2024
Census Tract	2300

Owner

1507 Frederick St is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1507 FREDERICK ST, CUMBERLAND, MD 21502-1033
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

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHESSIE FCU
Jun 27, 2018	Grant Deed, Transfer EDUARDO & MIRNA X CARTAGENA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2018 · Amount on File
Deed Sale	Jun 27, 2018 · Amount on File
Prior Sale	Jun 10, 2005 · Amount on File
Deed Book / Page	2391 / 106
Transfer Doc	001184-0440
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1507 FREDERICK ST, CUMBERLAND, MD 21502-1033
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1507 FREDERICK ST, CUMBERLAND, MD 21502-1033

Mortgage

Document Number	002774-0129
Date	Apr 18, 2022
Book Page	2774/129

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2032

Interest

Change Frequency	2 Years

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 27, 2018
Property Address	1507 FREDERICK ST, CUMBERLAND, MD 21502-1033
Document Number	0023910106
Book / Page	002391 / 000106
Instrument Date	Jun 5, 2018
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	AVALON SETTLEMENTS INC

Transaction

Amount	Amount on Record
Tax	$336.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	516 DRYER AVE CUMBERLAND MD 215021019, CUMBERLAND, MD 21502-1019

Mortgage

Document Number	23910113
Date	Jun 27, 2018
Book Page	002391/000113

Lender

Name	EDUARDO & MIRNA X CARTAGENA
Address	2017 FOREST DALE DR, SILVER SPRING, MD 20903-1531

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 26, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 1507 Frederick St was $691 with a homeowner's exemption.

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		$99,500 (+10.68%) Land $13,600 Building $85,900	$99,500 (-) Land $13,600 Building $85,900
2025	$691.00 Homeowner's exemption	$89,900	$99,500 Land $13,600 Building $85,900
2023	$638.00 Homeowner's exemption	$70,700 Land $13,600 Building $57,100	$70,700 Land $13,600 Building $57,100

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

Flood

FEMA maps place 1507 Frederick St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1507 Frederick St is low, with a 0.02% 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	0.02% 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 166 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: Crowsnest Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Frederick St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures