Washington County property record for 21 Cumberland St, Clear Spring, MD 21722
| Property Type | Townhouse |
|---|---|
| Details | 2 ba · 2,276 sqft · built 1900 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Jul 2026) |
| Tax Bill | $1,768 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Apr 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-008391 |
| Primary APN | 04-008391 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,276 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 7,920 sqft (0.182 acres) |
| Lot Dimensions | 198 ft deep x 40 ft wide |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 008391 |
|---|---|
| Street Address | 21 CUMBERLAND ST |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1970 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | U |
| Legal Description | LOT 49 40X198 21 CUMBERLAND ST |
| Legal Subdivision | CLEAR SPG |
| Legal Lot Number | 49 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 4, CLEAR SPRING |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 10600 |
21 Cumberland St, a townhouse, is owned and occupied by an individual who bought it in July 2026.
Source: Washington County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| 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.
| Date | Document |
|---|---|
| Jul 8, 2026 | Deed, Transfer · VA Mortgage FRIENDS TITLE |
| Apr 15, 2022 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS TRADERS TRUST CO |
| Jul 16, 2020 | Declaration, Transfer PASSPORT TITLE SERVICES LLC |
| Mar 3, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Nov 4, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2026 · Amount on File |
| Deed Sale | Jul 8, 2026 · Amount on File |
| Prior Sale | Mar 3, 2020 · Amount on File |
| Deed Book / Page | 7965 / 160 |
| Prior Transfer Date | Jul 16, 2020 |
| Prior Transfer Doc | 0063050480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jul 8, 2026 |
| Property Address | 21 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 7965000160 |
| Book / Page | 7965 / 160 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2026 |
| Title Company | FRIENDS TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $30,300.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 7965000166, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 7965/166 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 21 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0069850459 |
|---|---|
| Date | Apr 15, 2022 |
| Book Page | 6985/459 |
| Name | MANUFACTURERS TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | LEESBURG, VA 20175 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Declaration |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jul 16, 2020 |
| Property Address | 21 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 0063050480 |
| Book / Page | 6305 / 480 |
| Map Reference | LB HH FO 741 |
| Instrument Date | Jul 16, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | PASSPORT TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | PO BOX 255, CLEAR SPRING, MD 21722-0255 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Mar 3, 2020 |
| Property Address | 21 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 0061940147 |
| Book / Page | 006194 / 000147 |
| Instrument Date | Feb 25, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $85.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 CUMBERLAND ST BIG SPRING MD 21722, BIG SPRING, MD 21722 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Nov 4, 2019 |
| Property Address | 21 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 0061040131 |
| Book / Page | 006104 / 000131 |
| Instrument Date | Aug 7, 2019 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $75.90 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 21 Cumberland St was $1,768, up 9.3% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Clear Spring Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,768.00 (+9.27%) | $194,100 (+9.31%) Land $40,400 Building $153,700 | $194,100 (-) Land $40,400 Building $153,700 |
| 2025 | $1,618.00 (+10.37%) | $177,567 | $194,100 Land $40,400 Building $153,700 |
| 2024 | $1,466.00 (+10.89%) | ||
| 2023 | $1,322.00 | $144,500 Land $40,400 Building $104,100 | $144,500 Land $40,400 Building $104,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 21 Cumberland St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Jun 2014 · other causes |
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 21 Cumberland 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 |
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 | TOWN OF CLEAR SPRING serves 455 people · EPA ID MD0210005 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2020–2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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