18 E Oldtown Rd, Cumberland, MD 21502 Property Records

Allegany County property record for 18 E Oldtown Rd, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,512 sqft · built 1910
Lot Size	0.377 acres (16,417 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Sep 2026)
Tax Bill	$633 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-020278`

Property Details

APN / Parcel Number

Primary APN	`04-020278`
Alternative APNs	`4020278` `020278`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,512 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Siding
Roof Material	Slate
Lot Area	16,417 sqft (0.377 acres)

Exterior Amenities

Porch	Slab
Porch Area	432 sqft
Deck Area	100 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	020278
Street Address	18 E OLDTOWN RD
City	CUMBERLAND
State	MD
Zip	21502-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18 N/E/S OLDTOWN RD LOTS 9-10-11 97X184 MCCRAY ADDN 51X124
Legal Subdivision	MCCRAY ADD
Legal Lot Number	9-11
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	2
Census Block	2019
Census Tract	600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chapel Hill Historic District listed 2005 · 810 contributing resources · NRIS 05001477

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	18 E OLDTOWN RD, CUMBERLAND, MD 21502-3603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 28, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage FIRST MTG SVCS GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on Record
Deed Sale	Sep 16, 2026 · Amount on Record
Prior Sale	Apr 26, 1999 · Amount on Record
Deed Book / Page	3194 / 431
Prior Transfer Date	Mar 25, 2019
Prior Transfer Doc	0024540435
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 16, 2026
Property Address	18 E OLDTOWN RD, CUMBERLAND, MD 21502-3603
Document Number	3194000431
Book / Page	3194 / 431
Instrument Date	Sep 3, 2026
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	RD SETTLEMENTS LLC, ELEVATED SETTLEMENTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121,200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18 E OLDTOWN RD, CUMBERLAND, MD 21502-3603

Mortgage

Document Number	3194000438,
Date	Sep 16, 2026
Book Page	3194/438

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY MD
Recording Date	Mar 28, 2019
Property Address	18 E OLDTOWN RD, CUMBERLAND, MD 21502-3603
Document Number	0024540435
Book / Page	002454 / 000435
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 E OLDTOWN RD CUMBERLAND MD 215023603, CUMBERLAND, MD 21502-3603

Mortgage

Document Number	24540441
Date	Mar 28, 2019
Book Page	002454/000441

Lender

Name	FIRST MTG SVCS GROUP INC
Address	CUMBERLAND, MD 21502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2049

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		$80,200 (+7.6%) Land $14,600 Building $65,600	$80,200 (-) Land $14,600 Building $65,600
2025	$633.00 (+7.84%) Homeowner's exemption	$74,533 (+17.93%)	$80,200 (+26.9%) Land $14,600 Building $65,600
2023	$587.00 Homeowner's exemption	$63,200 Land $14,600 Building $48,600	$63,200 Land $14,600 Building $48,600

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	0.01% annual chance
Exposure	None beyond 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 859 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
SkyPacket Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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