1821 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 1821 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,917 sqft · built 1950
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Dec 2020)
Tax Bill	$1,757 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Dec 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-011913`

Property Details

APN / Parcel Number

Primary APN	`23-011913`
Alternative APN	`011913`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,917 sqft Total Area
Basement Area	391 sqft
Finished Basement	391 sqft
Utility Area	84 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Construction Type	Frame
Roof Material	Metal
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	200 ft deep x 65 ft wide
Garage Type	Mixed
Garage Area	1,086 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	66 sqft
Deck Area	411 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	011913
Street Address	1821 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1821 FREDERICK ST LOT 65 65X200 SCHLUND ADDN
Legal Subdivision	SCHLUND ADD
Legal Lot Number	65
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	1821 FREDERICK ST, CUMBERLAND, MD 21502-1039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Dec 21, 2020	Grant Deed, Transfer ATTORNEY ONLY
Dec 10, 2018	Deed of Trust, Mortgage · FHA Mortgage ROUNDPOINT MTG SVCNG
Jan 3, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Oct 1, 2013 · Amount on Record
Deed Book / Page	2617 / 83
Transfer Doc	0000001322
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1821 FREDERICK ST, CUMBERLAND, MD 21502-1039
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002773-0160
Date	Apr 15, 2022
Book Page	2773/160

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 21, 2020
Property Address	1821 FREDERICK ST, CUMBERLAND, MD 21502-1039
Document Number	0026170085
Book / Page	002617 / 000085
Instrument Date	Nov 30, 2020
Transaction Type	Transfer
Record Updated	Jan 13, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,155.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1871 FREDERICK ST CUMBERLAND MD 21502, CUMBERLAND, MD 21502

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1821 FREDERICK ST, CUMBERLAND, MD 21502-1039
Document Number	0024330321
Instrument Date	Dec 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1821 FREDERICK ST CUMBERLAND MD 215021039, CUMBERLAND, MD 21502-1039

Mortgage

Document Number	0024330321
Date	Dec 17, 2018
Book Page	002433/000321

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2048

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 3, 2018
Property Address	1821 FREDERICK ST, CUMBERLAND, MD 21502-1039
Document Number	0023510154
Book / Page	002351 / 000154
Instrument Date	Dec 22, 2017
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$707.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13819 CECIL AVE CRESAPTOWN MD 215025685, CRESAPTOWN, MD 21502-5685

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		$216,400 (+12.87%) Land $18,500 Building $197,900	$216,400 (-) Land $18,500 Building $197,900
2025	$1,757.00 (+32.7%)	$191,733 (+34.64%)	$216,400 (+51.97%) Land $18,500 Building $197,900
2023	$1,324.00	$142,400 Land $18,500 Building $123,900	$142,400 Land $18,500 Building $123,900

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	Direct burnable vegetation

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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
SkyPacket Fixed Wireless	100 / 20

May also be available: Crowsnest Broadband.

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