Allegany County property record for 226 E Union St, Cumberland, MD 21502 · Last verified August 2026
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
|---|---|
| Bathrooms | 5 Baths |
| Year Built | Built 1875 |
| Square Footage | 3,982 sqft Total Area |
| Lot Size | 8,946 sqft (0.205 acres) |
| Last Sale | $158,000 (2023) |
| Tax Bill | $1,129.00 (2025) |
Source: Allegany County records · APN 22-015125
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 | Company Name on File |
|---|---|
| Mailing Address | 920 OLD ANNAPOLIS NECK RD, ANNAPOLIS, MD 21403-3902 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 09, 2023 | Deed, Transfer · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC |
| Apr 05, 2022 | Deed, Transfer · Stand Alone First Mortgage MIDDLETOWN VALLEY BANK |
| Apr 15, 2021 | Special Warranty Deed, Transfer |
| Aug 03, 2020 | Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 09, 2023 · Amount on Record |
| Deed Sale | Mar 09, 2023 · Amount on Record |
| Prior Sale | Apr 05, 2022 · Amount on Record |
| Transfer Doc | 0000000462 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Mar 09, 2023 |
| Property Address | 226 E UNION ST, CUMBERLAND, MD 21502-3111 |
| Document Number | 002862-0334 |
| Book / Page | 2862 / 334 |
| Instrument Date | Jan 05, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $790.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 920 OLD ANNAPOLIS NECK RD, ANNAPOLIS, MD 21403-3902 |
| Document Number | 002862-0340 |
|---|---|
| Date | Mar 09, 2023 |
| Book Page | 2862/340 |
| Name | CIVIC FINANCIAL SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | REDONDO BEACH, CA 90278 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Apr 05, 2022 |
| Property Address | 226 E UNION ST, CUMBERLAND, MD 21502-3111 |
| Document Number | 002769-0040 |
| Book / Page | 2769 / 40 |
| Instrument Date | Feb 09, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | NOT AVAILABLE, TRI ST SIGNATURE STLMTS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 659 KEEPSAKE DR, FALLING WATERS, WV 25419-4176 |
| Document Number | 0000276946 |
|---|---|
| Date | Apr 05, 2022 |
| Instrument | 2769/46 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Apr 15, 2021 |
| Property Address | 226 E UNION ST, CUMBERLAND, MD 21502-3111 |
| Document Number | 002650-0008 |
| Book / Page | 2650 / 8 |
| Instrument Date | Jan 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 MORTGAGE WAY, 1, MOUNT LAUREL, NJ 08054-4637 |
| Name | Verified Name |
|---|---|
| Address | 214 N UNION AVE, HAVRE DE GRACE, MD 21078-2907 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Aug 03, 2020 |
| Property Address | 226 E UNION ST, CUMBERLAND, MD 21502-3111 |
| Document Number | 0025740030 |
| Book / Page | 002574 / 000030 |
| Instrument Date | May 02, 2020 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 03, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $421.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 MORTGAGE WAY MOUNT LAUREL NJ 080544637, MOUNT LAUREL, NJ 08054-4637 |
Source: Allegany County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $156,800 (+27.24%) Land $14,800 Building $142,000 | $156,800 (-) Land $14,800 Building $142,000 | |
| 2025 | $1,129.00 (+116.7%) | $123,233 (+119.67%) | $156,800 (+179.5%) Land $14,800 Building $142,000 |
| 2023 | $521.00 | $56,100 Land $6,100 Building $50,000 | $56,100 Land $6,100 Building $50,000 |
Source: FEMA National Flood Hazard Layer, Allegany County (24001C), updated November 12, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 22-015125 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Units | 5 Units |
| Building Area | 3,982 sqft Total Area |
| Basement Area | 800 sqft Basement |
| Finished Basement | 800 sqft Finished |
| Stories | 2 Stories |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Exterior Material | Brick Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,946 sqft (0.205 acres) |
| Depth X Width | 126 ft x 71 ft Depth x Width |
| Porch Area | 182 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 015125 |
|---|---|
| Street Address | 226 E UNION ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-3111 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Legal Description | 226-228 UNION ST 71X126 |
| Jurisdiction | ALLEGANY MD |
| Minor Civil Division | 22, CUMBERLAND |
| Census Blockgroup | 1 |
| Census Block | 1034 |
| Census Tract | 500 |
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