1609 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 1609 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 912 sqft · built 1975
Lot Size	0.156 acres (6,804 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Oct 2021)
Tax Bill	$1,034 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-015439`

Property Details

APN / Parcel Number

Primary APN	`23-015439`
Alternative APN	`015439`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	912 sqft Total Area
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,804 sqft (0.156 acres)
Lot Dimensions	110 ft deep x 61 ft wide
Garage Type	Basement
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	72 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	015439
Street Address	1609 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1609 FREDERICK ST PT LOTS 50-51 BOPPS 61.86X110
Legal Subdivision	BOPPS SUBURBAN ADD
Legal Lot Number	50,51
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	2
Census Block	2024
Census Tract	2300

Owner

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	2 Individual Names on Record
Mailing Address	1609 FREDERICK ST, CUMBERLAND, MD 21502-1035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Jun 8, 2007
Deed Book / Page	2712 / 9
Prior Transfer Date	May 30, 2007
Prior Transfer Doc	001394-0478
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 15, 2021
Property Address	1609 FREDERICK ST, CUMBERLAND, MD 21502-1035
Document Number	002712-0009
Book / Page	2712 / 9
Instrument Date	Sep 20, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NOT AVAILABLE, ATTICUS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 FREDERICK ST, CUMBERLAND, MD 21502-1035

Mortgage

Document Number	0000271215
Date	Oct 15, 2021
Instrument	2712/15

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

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		$119,800 (+6.17%) Land $10,700 Building $109,100	$119,800 (-) Land $10,700 Building $109,100
2025	$1,034.00 (+12.39%)	$112,833 (+14.09%)	$119,800 (+21.13%) Land $10,700 Building $109,100
2023	$920.00	$98,900 Land $10,700 Building $88,200	$98,900 Land $10,700 Building $88,200

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

Flood

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

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

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