Allegany County property record for 2 Utah Ave, #1, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,536 sqft · built 1927 |
| Lot Size | 0.106 acres (4,630 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Nov 2025) |
| Tax Bill | $517 (2025) |
| Deeds & Mortgages | Apr 2025 Line of Credit Nov 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-003624 |
| Primary APN | 04-003624 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,536 sqft Total Area |
| 1st Floor Area | 768 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 4,630 sqft (0.106 acres) |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 003624 |
|---|---|
| Street Address | 2 UTAH AVE, 1 |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-4028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RR NEW HAMPSHIRE AVE PT LT 20 THRU 23 81X63 PT OF ALLEY 67X65 |
| Legal Subdivision | BANNOCKBURN ADD |
| Legal Lot Number | 20-23 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 4, CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1070 |
| Census Tract | 600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2 1/2 UTAH AVE, CUMBERLAND, MD 21502-4028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Apr 10, 2025 | Deed of Trust, Mortgage · Line of Credit BANK-FUND STAFF FCU |
| Nov 14, 2025 | Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2025 · Amount on Record |
| Deed Sale | Nov 14, 2025 · Amount on Record |
| Prior Sale | Nov 8, 2024 · Amount on Record |
| Deed Book / Page | 3112 / 173 |
| Transfer Doc | 0000000618 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 2 UTAH AVE # 1, 1, CUMBERLAND, MD 21502-4028 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 18112 PRESTWICK TER, HAGERSTOWN, MD 21740-1594 |
| Document Number | 003051-0182 |
|---|---|
| Date | Apr 10, 2025 |
| Book Page | 3051/182 |
| Name | BANK-FUND STAFF FCU |
|---|---|
| Type | Credit Union |
| Address | WASHINGTON, DC 20006 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 31, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Nov 14, 2025 |
| Property Address | 2 UTAH AVE # 1, 1, CUMBERLAND, MD 21502-4028 |
| Document Number | 003112-0173 |
| Book / Page | 3112 / 173 |
| Instrument Date | Oct 24, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | TRISTATE SIGNATURE SETTLEMENTS, TRI ST SIGNATURE STLMTS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2 1 2 UTAH AVE, CUMBERLAND, MD 21502 |
| Investor | Possibly a Property Investor |
| Document Number | 0003112179 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 3112/179 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $60,900 (+7.98%) Land $9,200 Building $51,700 | $60,900 (-) Land $9,200 Building $51,700 | |
| 2025 | $517.00 (+17.5%) | $56,400 (+18.99%) | $60,900 (+28.48%) Land $9,200 Building $51,700 |
| 2023 | $440.00 | $47,400 Land $9,200 Building $38,200 | $47,400 Land $9,200 Building $38,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 513 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 |
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