20 E Clement St, Cumberland, MD 21502 Property Records

Allegany County property record for 20 E Clement St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 784 sqft · built 1998
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$683 (2025)
Flood Zone	Zone X (minimal risk)
APN	`04-026764`

Property Details

APN / Parcel Number

Primary APN	`04-026764`
Alternative APNs	`4026764` `026764`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	784 sqft Total Area
Basement Area	182 sqft
Finished Basement	182 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Lot Area	5,000 sqft (0.115 acres)
Porch	Porch
Porch Area	200 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	026764
Street Address	20 E CLEMENT ST
City	CUMBERLAND
State	MD
Zip	21502-4703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N/S CLEMENT ST LTS 17-18 50X100 CUMB PK ADDN
Legal Lot Number	17,18
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	1
Census Block	1097
Census Tract	800

Owner

Source: Allegany County records · APN 04-026764

Assessment roll updated July 31, 2025 · Last verified August 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 File
Mailing Address	PO BOX 2516, CUMBERLAND, MD 21503-2516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 25, 2005
Deed Sale	Feb 25, 2005
Prior Sale	Jun 16, 1997
Deed Document Number	200550335
Deed Book / Page	1125 / 483
Transfer Doc	0000001029
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Allegany County records · Assessment roll updated July 31, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,500 (+12.4%) Land $10,000 Building $91,500	$101,500 (-) Land $10,000 Building $91,500
2025	$683.00 (+8.24%) Homeowner's exemption	$90,300 (+32.99%)	$101,500 (+49.48%) Land $10,000 Building $91,500
2023	$631.00 Homeowner's exemption	$67,900 Land $10,000 Building $57,900	$67,900 Land $10,000 Building $57,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allegany County (24001C), as of November 12, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240010008001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	4 (1985–1996)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jan 1996 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 1996 · 3 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Fiber · Cable in parts of the area	1,000 / 1,000
Skypacket Networks Fixed Wireless	100 / 20

Based on FCC filings for 137 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0010008, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF CUMBERLAND serves 27,039 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.