209 W Second St, Cumberland, MD 21502 Property Records

Allegany County property record for 209 W Second St, Cumberland, MD 21502

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 ba · 2,488 sqft · built 1900
Lot Size	0.069 acres (3,000 sqft)
Owner	Company Name on Record
Last Sale	$28,500 (Dec 2003)
Tax Bill	$689 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-031156`

Property Details

APN / Parcel Number

Primary APN	`04-031156`
Alternative APNs	`4031156` `031156`

Interior

Full Baths	4 Baths
Units	4 Units
Stories	2 Stories
Building Area	2,488 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Slate
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	75 ft deep x 40 ft wide
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	031156
Street Address	209 W SECOND ST
City	CUMBERLAND
State	MD
Zip	21502-3994
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	209-211 SECOND S PT LTS 27-28-29 40X75 HUMBIRD
Legal Subdivision	BOWMANS CUMBERLAND VLY ADD CU
Legal Lot Number	27-29
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	2
Census Block	2015
Census Tract	800

Historic Designation

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.

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	Company Name on Record
Mailing Address	PO BOX 498, ACCIDENT, MD 21520-0498
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2018	Deed of Trust, Mortgage · Line of Credit STANDARD BK
Jun 15, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 24, 2003 · Amount on Record
Deed Sale	Dec 24, 2003 · Amount on Record
Deed Document Number	20032519
Deed Book / Page	724 / 864
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	209 W SECOND ST, CUMBERLAND, MD 21502-3994
Document Number	0023920141
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Jul 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	205 S MAIN ST ACCIDENT MD 215202084, ACCIDENT, MD 21520-2084

Mortgage

Document Number	0023920141
Date	Jun 29, 2018
Book Page	002392/000141

Lender

Name	STANDARD BK
Type	Bank
Address	MONROEVILLE, PA 15146

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 15, 2018
Property Address	209 W SECOND ST, CUMBERLAND, MD 21502-3994
Document Number	0023880255
Book / Page	002388 / 000255
Instrument Date	Jun 2, 2018
Transaction Type	Transfer
Record Updated	Jul 4, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 498 ACCIDENT MD 215200498, ACCIDENT, MD 21520-0498

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		$83,800 (+44.98%) Land $6,000 Building $77,800	$83,800 (+44.98%) Land $6,000 Building $77,800
2025	$689.00 (+28.31%)
2023	$537.00	$57,800 Land $6,000 Building $51,800	$57,800 Land $6,000 Building $51,800

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 · 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

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.

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 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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