1804 E Oldtown Rd, Cumberland, MD 21502 Property Records

Allegany County property record for 1804 E Oldtown Rd, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,036 sqft · built 1940
Lot Size	0.549 acres (23,936 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Nov 2018)
Tax Bill	$837 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-048989`

Property Details

APN / Parcel Number

Primary APN	`04-048989`
Alternative APNs	`4048989` `048989`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,036 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	23,936 sqft (0.549 acres)
Garage Type	Carport
Garage Area	567 sqft
Carport	Carport
Carport Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	75 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	048989
Street Address	1804 E OLDTOWN RD
City	CUMBERLAND
State	MD
Zip	21502-4422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1804 OLDTOWN RD 94X221 93X291
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	1
Census Block	1082
Census Tract	600

Owner

1804 E Oldtown Rd is owned and occupied by an individual who bought it in November 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1804 E OLDTOWN RD, CUMBERLAND, MD 21502-4422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on File
Deed Sale	Nov 1, 2018 · Amount on File
Prior Sale	Dec 24, 2004 · Amount on File
Deed Book / Page	2424 / 44
Prior Transfer Date	Sep 19, 2005
Prior Transfer Doc	001216-0067
Record Updated	Oct 29, 2026

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Nov 1, 2018
Property Address	1804 E OLDTOWN RD, CUMBERLAND, MD 21502-4422
Document Number	0024240044
Book / Page	002424 / 000044
Instrument Date	Oct 15, 2018
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 E OLDTOWN RD CUMBERLAND MD 215024422, CUMBERLAND, MD 21502-4422

Mortgage

Document Number	24240049
Date	Nov 1, 2018
Book Page	002424/000049

Lender

Name	SOUTHERN TR MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1804 E Oldtown Rd was $837 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		$143,500 (+9.24%) Land $16,400 Building $127,100	$143,500 (-) Land $16,400 Building $127,100
2025	$837.00 Homeowner's exemption	$131,367	$143,500 Land $16,400 Building $127,100
2023	$772.00 Homeowner's exemption	$107,100 Land $16,400 Building $90,700	$107,100 Land $16,400 Building $90,700

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

Flood

FEMA maps place 1804 E Oldtown Rd 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 November 12, 2023 · 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	3 in force
Nearby Flood Claims	2 (1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 1996 · Severe Storms And Flooding Assoc With Tropical Storm Fran

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 1804 E Oldtown Rd 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	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 15 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
SkyPacket Fixed Wireless	100 / 20