214 E Elder St, Cumberland, MD 21502 Property Records

Allegany County property record for 214 E Elder St, Cumberland, MD 21502 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1959
Square Footage	988 sqft Total Area
Lot Size	11,250 sqft (0.258 acres)
Garage	Basement, 240 sqft
Occupancy	Owner Occupied
Last Sale	$90,000 (2018)
Tax Bill	$895.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`04-021525`
Alternative APNs	`4021525` `021525`

Interior

Full Baths	1 Baths
Building Area	988 sqft Total Area
Stories	1 Stories

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Siding Exterior
Roof Material	Metal Roof
Lot Area	11,250 sqft (0.258 acres)
Depth X Width	125 ft x 90 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Basement Garage
Garage Area	240 sqft Garage
Patio Area	168 sqft Patio
Porch	Open Porch
Porch Area	168 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	021525
Street Address	214 E ELDER ST
City	CUMBERLAND
State	MD
Zip	21502-4710
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	214 ELDER ST LOTS 135-136-137 90X125 HUMBIRD ADDN
Legal Subdivision	HUMBIRD ADD
Legal Lot Number	135-137
Jurisdiction	ALLEGANY MD
Minor Civil Division	4, CUMBERLAND
Census Blockgroup	1
Census Block	1083
Census Tract	800

Owner

Source: Allegany County records · APN 04-021525

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	214 E ELDER ST, CUMBERLAND, MD 21502-4710
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2018 · Amount on Record
Deed Sale	May 01, 2018 · Amount on Record
Prior Sale	Nov 16, 2016 · Amount on Record
Deed Book / Page	2376 / 380
Record Refreshed	Sep 20, 2026

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	May 01, 2018
Property Address	214 E ELDER ST, CUMBERLAND, MD 21502-4710
Document Number	0023760380
Book / Page	002376 / 000380
Instrument Date	Apr 30, 2018
Transaction Type	Transfer
Record Updated	May 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	214 E ELDER ST CUMBERLAND MD 215024710, CUMBERLAND, MD 21502-4710

Mortgage

Document Number	23760386
Date	May 01, 2018
Book Page	002376/000386

Lender

Name	FRANKLIN AMERICAN MTG
Type	Mortgage Company
Address	FRANKLIN, TN 37067

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

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		$103,100 (+18.78%) Land $13,300 Building $89,800	$103,100 (+18.78%) Land $13,300 Building $89,800
2025	$895.00 (+10.9%)
2023	$807.00	$86,800 Land $13,300 Building $73,500	$86,800 Land $13,300 Building $73,500

Flood & Wildfire

214 E Elder St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Allegany County (24001C), updated November 12, 2023

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 41st in Maryland
Wildfire Likelihood	Low — about 1 in 8,333 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.