224 Cumberland St, Clear Spring, MD 21722 Property Records

Washington County property record for 224 Cumberland St, Clear Spring, MD 21722

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,960 sqft · built 1900
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$91,700 (Jun 2017)
Tax Bill	$1,220 (2026)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-009940`

Property Details

APN / Parcel Number

Primary APN	`04-009940`
Alternative APN	`009940`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,960 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Metal
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	198 ft deep x 33 ft wide
Porch	Slab
Porch Area	210 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	009940
Street Address	224 CUMBERLAND ST
City	CLEAR SPRING
State	MD
Zip	21722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	W 1/2 LOT 6 33X198 224 CUMBERLAND ST
Legal Subdivision	CROSS CREEK
Legal Lot Number	6
Jurisdiction	WASHINGTON MD
Township / Civil Division	4, CLEAR SPRING
Census Block Group	1
Census Block	1048
Census Tract	10600

Owner

224 Cumberland St is owned and occupied by two individuals who bought it in June 2017.

Source: Washington County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	224 CUMBERLAND ST, CLEAR SPRING, MD 21722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2017 · Amount on File
Deed Sale	Jun 27, 2017 · Amount on File
Deed Document Number	20175533-0280
Deed Book / Page	5533 / 280
Record Updated	Oct 29, 2026

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MD
Recording Date	Jun 27, 2017
Property Address	224 CUMBERLAND ST, CLEAR SPRING, MD 21722
Document Number	0055330280
Book / Page	005533 / 000280
Instrument Date	Jun 26, 2017
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	224 CUMBERLAND ST CLEAR SPRING MD 21722, CLEAR SPRING, MD 21722

Mortgage

Document Number	55330285
Date	Jun 27, 2017
Book Page	005533/000285

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 224 Cumberland St was $1,220 with a homeowner's exemption, up 5.6% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Clear Spring Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,220.00 (+5.63%) Homeowner's exemption	$152,100 (+9.08%) Land $39,000 Building $113,100	$152,100 (-) Land $39,000 Building $113,100
2025	$1,155.00 Homeowner's exemption	$139,433	$152,100 Land $39,000 Building $113,100
2023	$1,039.00	$114,100 Land $39,000 Building $75,100	$114,100 Land $39,000 Building $75,100

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

Flood

FEMA maps place 224 Cumberland St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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
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

Wildfire risk around 224 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
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	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

Violations Reported to EPA

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.

Internet Providers

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