1915 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 1915 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,487 sqft · built 1960
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on File
Last Sale	$149,000 (Oct 2018)
Tax Bill	$1,309 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-005549`

Property Details

APN / Parcel Number

Primary APN	`23-005549`
Alternative APN	`005549`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,487 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	200 ft deep x 65 ft wide

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Deck Area	288 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	005549
Street Address	1915 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1915 FREDERICK ST EXTD LOT 75 65X200 SCHLUND ADDN
Legal Subdivision	SCHLUND ADD
Legal Lot Number	75
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	2
Census Block	2015
Census Tract	2300

Owner

1915 Frederick St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1915 FREDERICK ST, CUMBERLAND, MD 21502-1041
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Oct 4, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Oct 1, 2018	Grant Deed, Transfer NEW DAY FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on File
Deed Sale	Oct 1, 2018 · Amount on File
Prior Sale	Sep 29, 2010 · Amount on File
Deed Book / Page	2416 / 340
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1915 FREDERICK ST, CUMBERLAND, MD 21502-1041
Document Number	0026090141
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1915 FREDERICK ST CUMBERLAND MD 215021041, CUMBERLAND, MD 21502-1041

Mortgage

Document Number	0026090141
Date	Nov 25, 2020
Book Page	002609/000141

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	1915 FREDERICK ST, CUMBERLAND, MD 21502-1041
Document Number	0025180336
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1915 FREDERICK ST CUMBERLAND MD 215021041, CUMBERLAND, MD 21502-1041

Mortgage

Document Number	0025180336
Date	Dec 3, 2019
Book Page	002518/000336

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 1, 2018
Property Address	1915 FREDERICK ST, CUMBERLAND, MD 21502-1041
Document Number	0024160340
Book / Page	002416 / 000340
Instrument Date	Sep 25, 2018
Transaction Type	Transfer
Record Updated	Oct 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,043.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1915 FREDERICK ST CUMBERLAND MD 215021041, CUMBERLAND, MD 21502-1041

Mortgage

Document Number	24160345
Date	Oct 1, 2018
Book Page	002416/000345

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1915 Frederick St was $1,309 with a homeowner's exemption.

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$176,700 Land $18,500 Building $158,200	$176,700 Land $18,500 Building $158,200
2025	$1,309.00 Homeowner's exemption
2023	$1,222.00 Homeowner's exemption	$155,400 Land $18,500 Building $136,900	$155,400 Land $18,500 Building $136,900

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

Flood

FEMA maps place 1915 Frederick St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1915 Frederick St is low, with a 0.02% 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	0.02% 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.

Nearby Properties on Frederick St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures