225 Oak St, Cumberland, MD 21502 Property Records

Allegany County property record for 225 Oak St, Cumberland, MD 21502

Property Summary

Property Type	Townhouse
Details	3 ba · 2,490 sqft · built 1900
Lot Size	0.072 acres (3,145 sqft)
Owner	Company Name on Record
Last Sale	$145,000 (Jun 2026)
Tax Bill	$732 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-032497`

Property Details

APN / Parcel Number

Primary APN	`04-032497`
Alternative APNs	`4032497` `032497`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Units	2 Units
Stories	2 Stories
Building Area	2,490 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Townhouse
Exterior Material	Siding
Lot Area	3,145 sqft (0.072 acres)
Lot Dimensions	85 ft deep x 37 ft wide
Porch	Slab
Porch Area	168 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	032497
Street Address	225 OAK ST
City	CUMBERLAND
State	MD
Zip	21502-3936
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	225-227 OAK ST SHRIVER ADDN 37X85
Legal Subdivision	SHRIVER ADD
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	2
Census Block	2015
Census Tract	800

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	1663 PARKCREST CIR, 201, RESTON, VA 20190-4951
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jun 23, 2026	Special Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Oct 27, 2021	Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2026 · Amount on Record
Deed Sale	Jun 23, 2026 · Amount on Record
Prior Sale	Oct 27, 2021 · Amount on Record
Deed Book / Page	3173 / 66
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 4, 2026
Property Address	225 OAK ST, CUMBERLAND, MD 21502-3936
Document Number	3192000262
Book / Page	3192 / 262
Instrument Date	Aug 7, 2026
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1663 PARKCREST CIR, 201, RESTON, VA 20190-4951

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 23, 2026
Property Address	225 OAK ST, CUMBERLAND, MD 21502-3936
Document Number	3173000066
Book / Page	3173 / 66
Instrument Date	Apr 27, 2026
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	ALLEGANY/GARRETT TITLE AND SETTLEMENT, ALLEGANY GARRETT TITLES & SETT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1663 PARKCREST CIR, 201, RESTON, VA 20190-4951

Mortgage

Document Number	3173000075,
Date	Jun 23, 2026
Book Page	3173/75

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 27, 2021
Property Address	225 OAK ST, CUMBERLAND, MD 21502-3936
Document Number	002716-0291
Book / Page	2716 / 291
Instrument Date	Oct 19, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0002716297
Date	Oct 27, 2021
Instrument	2716/297

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$91,600 (+14.74%) Land $6,200 Building $85,400	$91,600 (-) Land $6,200 Building $85,400
2025	$732.00 (+39.96%)	$79,833 (+41.8%)	$91,600 (+62.7%) Land $6,200 Building $85,400
2023	$523.00	$56,300 Land $6,200 Building $50,100	$56,300 Land $6,200 Building $50,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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