1822 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 1822 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,092 sqft · built 1961
Lot Size	0.191 acres (8,320 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,900 (Mar 2022)
Tax Bill	$1,085 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-006456`

Property Details

APN / Parcel Number

Primary APN	`23-006456`
Alternative APN	`006456`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,092 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	8,320 sqft (0.191 acres)
Lot Dimensions	128 ft deep x 65 ft wide
Garage Type	Basement
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	214 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	006456
Street Address	1822 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1822 FREDERICK ST EXTD LOT 110 65X128 SCHLUND ADDN
Legal Subdivision	SCHLUND ADD
Legal Lot Number	110
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	2
Census Block	2039
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	1822 FREDERICK ST, CUMBERLAND, MD 21502-1040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 26, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 25, 2022	Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Deed Book / Page	2765 / 187
Prior Transfer Date	Jan 28, 2011
Prior Transfer Doc	001758-0001
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1822 FREDERICK ST, CUMBERLAND, MD 21502-1040
Transaction Type	Mortgage
Record Updated	Dec 20, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1822 FREDERICK ST, CUMBERLAND, MD 21502-1040

Mortgage

Document Number	002926-0102
Date	Nov 30, 2023
Book Page	2926/102

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	470 Months
Due	Jan 1, 2063

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1822 FREDERICK ST, CUMBERLAND, MD 21502-1040
Transaction Type	Mortgage
Record Updated	Feb 9, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1822 FREDERICK ST, CUMBERLAND, MD 21502-1040

Mortgage

Document Number	002850-0392
Date	Jan 26, 2023
Book Page	2850/392

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2063

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Mar 25, 2022
Property Address	1822 FREDERICK ST, CUMBERLAND, MD 21502-1040
Document Number	002765-0187
Book / Page	2765 / 187
Instrument Date	Jan 15, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	1822 FREDERICK ST, CUMBERLAND, MD 21502-1040

Mortgage

Document Number	0002765195
Date	Mar 25, 2022
Instrument	2765/195

Lender

Name	T2 FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jul 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		$130,500 (+10.22%) Land $12,400 Building $118,100	$130,500 (-) Land $12,400 Building $118,100
2025	$1,085.00 (+23.86%)	$118,400 (+25.69%)	$130,500 (+38.54%) Land $12,400 Building $118,100
2023	$876.00	$94,200 Land $12,400 Building $81,800	$94,200 Land $12,400 Building $81,800

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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