Allegany County property record for 206 Oak St, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,687 sqft · built 1900 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Jul 2013) |
| Tax Bill | $769 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-031571 |
| Primary APN | 04-031571 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,687 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 102 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 031571 |
|---|---|
| Street Address | 206 OAK ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-3937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 206 OAK ST LOTS 11-12 50X100 SHRIVERS ADDN |
| Legal Subdivision | SHRIVERS ADD |
| Legal Lot Number | 11,12 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 4, CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Chapel Hill Historic District listed 2005 · 810 contributing resources · NRIS 05001477 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
206 Oak St is owned and occupied by two individuals who bought it in July 2013.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 206 OAK ST, CUMBERLAND, MD 21502-3937 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2013 · Amount on File |
| Deed Sale | Jul 17, 2013 · Amount on File |
| Prior Sale | Dec 1, 1999 · Amount on File |
| Deed Book / Page | 1984 / 365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 206 OAK ST, CUMBERLAND, MD 21502-3937 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 206 OAK ST, CUMBERLAND, MD 21502-3937 |
| Document Number | 002792-0041 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 2792/41 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | CUMBERLAND, MD 21502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 206 Oak St was $769.
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 | $89,000 Land $10,000 Building $79,000 | $89,000 Land $10,000 Building $79,000 | |
| 2025 | $769.00 | ||
| 2023 | $684.00 | $73,600 Land $10,000 Building $63,600 | $73,600 Land $10,000 Building $63,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 206 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.
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 Claims | 1 (1996) |
| 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.
Wildfire risk around 206 Oak St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 248 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 |
| SkyPacket Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Verizon.
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