154 Cumberland St, Clear Spring, MD 21722 Property Records

Washington County property record for 154 Cumberland St, Clear Spring, MD 21722

Property Summary

Property Type	Townhouse
Details	1 ba · 1,536 sqft · built 1890
Lot Size	0.109 acres (4,752 sqft)
Owner	Individual Name on File
Last Sale	$281,000 (Oct 2025)
Tax Bill	$1,378 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-000110`

Property Details

APN / Parcel Number

Primary APN	`04-000110`
Alternative APN	`000110`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,536 sqft Total Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Metal
Lot Area	4,752 sqft (0.109 acres)
Lot Dimensions	200 ft deep x 24 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	372 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	000110
Street Address	154 CUMBERLAND ST
City	CLEAR SPRING
State	MD
Zip	21722-1973
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	U
Legal Description	24.6X200 PT LT 24 154 CUMBERLAND ST CLEARSPRING
Legal Subdivision	CLEARSPRING
Legal Lot Number	24
Jurisdiction	WASHINGTON MD
Township / Civil Division	4, CLEAR SPRING
Census Block Group	1
Census Block	1049
Census Tract	10600

Owner

154 Cumberland St, a townhouse, is owned and occupied by an individual who bought it in October 2025.

Source: Washington County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	154 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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	Oct 15, 2025 · Amount on File
Deed Sale	Oct 15, 2025 · Amount on File
Prior Sale	Jul 31, 1981 · Amount on File
Deed Book / Page	7781 / 340
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Oct 15, 2025
Property Address	154 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973
Document Number	0077810340
Book / Page	7781 / 340
Map Reference	LB HH FO 741
Instrument Date	Oct 15, 2025
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	UNKNOWN, OLDE TOWNE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$702.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 CUMBERLAND ST, CLEAR SPRING, MD 21722-1973

Mortgage

Document Number	0007781348
Date	Oct 15, 2025
Instrument	7781/348

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 154 Cumberland St was $1,378, up 11.3% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Clear Spring Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,378.00 (+11.31%)	$151,300 (+11.33%) Land $35,600 Building $115,700	$151,300 (-) Land $35,600 Building $115,700
2025	$1,238.00	$135,900	$151,300 Land $35,600 Building $115,700
2023	$961.00	$105,100 Land $35,600 Building $69,500	$105,100 Land $35,600 Building $69,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 154 Cumberland St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 154 Cumberland 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
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

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