218 S First St, Cumberland, MD 21502 Property Records

Allegany County property record for 218 S First St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,040 sqft · built 1960
Lot Size	0.565 acres (24,620 sqft)
Owner	2 Individual Names on File
Last Sale	$84,000 (Jan 2004)
Tax Bill	$1,754 (2025)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-009872`

Property Details

APN / Parcel Number

Primary APN	`29-009872`
Alternative APN	`009872`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,040 sqft Total Area
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	24,620 sqft (0.565 acres)
Lot Dimensions	260 ft deep x 90 ft wide
Garage Type	Basement
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	009872
Street Address	218 S FIRST ST
City	CUMBERLAND
State	MD
Zip	21502-7133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	218 FIRST ST PARK HGTS 90X260 287
Legal Subdivision	PARK HEIGHTS
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	1
Census Block	1002
Census Tract	1402

Owner

218 S First St is owned and occupied by two individuals who bought it in January 2004.

Source: Allegany County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	218 S FIRST ST, CUMBERLAND, MD 21502-7133
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2004 · Amount on File
Deed Sale	Jan 22, 2004 · Amount on File
Prior Sale	Aug 23, 2002
Deed Document Number	200478
Deed Book / Page	726 / 84
Transfer Doc	0007260084
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	218 S FIRST ST, LAVALE, MD 21502-7133
Document Number	0023800259
Instrument Date	May 7, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	218 S FIRST ST LAVALE MD 215027133, LAVALE, MD 21502-7133

Mortgage

Document Number	0023800259
Date	May 16, 2018
Book Page	002380/000259

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 15, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 218 S First St was $1,754 with a homeowner's exemption.

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,200 (+7.95%)	$172,000 (-) Land $39,900 Building $132,100
2025	$1,754.00 Homeowner's exemption	$148,400	$172,000 Land $39,900 Building $132,100
2023	$1,425.00 Homeowner's exemption	$131,467	$136,600 Land $35,400 Building $101,200

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

Flood

FEMA maps place 218 S First St in Zone X, an area of minimal flood risk, though there have been 40 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	40 (1979–2025)
Claims Outside the SFHA	10 of 40
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 4 claims Severe Storms And Flooding, Jan 1996 · 18 claims

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

Wildfire risk around 218 S First St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	LAVALE SANITARY COMMISSION serves 5,500 people · EPA ID MD0010016
Water Source	Purchased surface water from CITY OF CUMBERLAND
Last State Inspection	Sep 2025
Lead	1 ppb (2020–2022) 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30
SkyPacket Fixed Wireless	100 / 20