Washington County property record for 227 Cumberland St, Clear Spring, MD 21722
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,192 sqft · built 1900 |
| Lot Size | 0.098 acres (4,257 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $71,000 (Jan 2017) |
| Tax Bill | $906 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-000021 |
| Primary APN | 04-000021 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,192 sqft Total Area |
| Utility Area | 100 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 4,257 sqft (0.098 acres) |
| Lot Dimensions | 198 ft deep x 21 ft wide |
| Porch | Slab |
| Porch Area | 65 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 000021 |
|---|---|
| Street Address | 227 CUMBERLAND ST |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1975 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | U |
| Legal Description | W/PT LOT 9 21.5X198 227 CUMBERLAND ST |
| Legal Lot Number | 9 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 4, CLEAR SPRING |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 10600 |
Source: Washington County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 227 CUMBERLAND ST, CLEAR SPRING, MD 21722-1975 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2020 | Deed of Trust, Mortgage · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Mar 21, 2019 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Jan 13, 2017 | Deed, Transfer FIRST HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2017 · Amount on Record |
| Deed Sale | Jan 13, 2017 · Amount on Record |
| Prior Sale | Apr 2, 2013 · Amount on Record |
| Deed Document Number | 20175417-0050 |
| Deed Book / Page | 5417 / 50 |
| Prior Transfer Date | Feb 21, 1990 |
| Prior Transfer Doc | 0952000455 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 227 CUMBERLAND ST, CLEAR SPRING, MD 21722-1975 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0063200408 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 6320/408 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 227 CUMBERLAND ST, CLEAR SPRING, MD 21722-1975 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RGS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0059400296 |
|---|---|
| Date | Mar 21, 2019 |
| Book Page | 5940/0296 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jan 13, 2017 |
| Property Address | 227 CUMBERLAND ST, CLEAR SPRING, MD 21722-1975 |
| Document Number | 0054170050 |
| Book / Page | 5417 / 0050 |
| Map Reference | LB4504 FO257 |
| Instrument Date | Jan 9, 2017 |
| Instrument | 5417-0050 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | OLDE TOWNE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 227 E CUMBERLAND ST, CLEAR SPRING, MD 21722-1986 |
| Document Number | 54170072 |
|---|---|
| Date | Jan 13, 2017 |
| Instrument | 5417-0072 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|
| Document Number | 0054170055 |
|---|---|
| Date | Jan 13, 2017 |
| Book Page | 5417/0055 |
| Instrument | 5417-0055 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Clear Spring Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $906.00 (+7.73%) | $99,500 (+7.76%) Land $31,900 Building $67,600 | $99,500 (-) Land $31,900 Building $67,600 |
| 2025 | $841.00 (+8.52%) | $92,333 (+18.38%) | $99,500 (+27.56%) Land $31,900 Building $67,600 |
| 2024 | $775.00 (+8.7%) | ||
| 2023 | $713.00 | $78,000 Land $31,900 Building $46,100 | $78,000 Land $31,900 Building $46,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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