Allegany County property record for 228 E Elder St, Cumberland, MD 21502 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,545 sqft Total Area |
| Lot Size | 3,750 sqft (0.086 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $60,000 (2006) |
| Tax Bill | $650.00 (2025) |
| Primary APN | 04-016793 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,545 sqft Total Area |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Siding Exterior |
| Lot Area | 3,750 sqft (0.086 acres) |
| Depth X Width | 125 ft x 30 ft Depth x Width |
| Patio Area | 217 sqft Patio |
| Porch Area | 266 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 016793 |
|---|---|
| Street Address | 228 E ELDER ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-4710 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 228 ELDER ST PT LOTS 139-140 30X125 HUMBIRD ADDN |
| Legal Subdivision | HUMBIRD ADD |
| Legal Lot Number | 139,140 |
| Jurisdiction | ALLEGANY MD |
| Minor Civil Division | 4, CUMBERLAND |
| Census Blockgroup | 1 |
| Census Block | 1084 |
| Census Tract | 800 |
Source: Allegany County records · APN 04-016793
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 228 E ELDER ST, CUMBERLAND, MD 21502-4710 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 2006 · Amount on Record |
| Deed Sale | May 12, 2006 · Amount on Record |
| Prior Sale | May 12, 2006 |
| Deed Doc Number | 200660976 |
| Deed Book / Page | 1264 / 428 |
| Last Transfer Date | May 09, 2014 |
| Transfer Doc | 0022040235 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 228 E ELDER ST, CUMBERLAND, MD 21502-4710 |
| Document Number | 0025540409 |
| Instrument Date | Apr 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 228 E ELDER ST CUMBERLAND MD 215024710, CUMBERLAND, MD 21502-4710 |
| Document Number | 0025540409 |
|---|---|
| Date | May 14, 2020 |
| Book Page | 002554/000409 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 13, 2050 |
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 and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $73,600 (+3.86%) Land $7,500 Building $66,100 | $73,600 (-) Land $7,500 Building $66,100 | |
| 2025 | $650.00 (+6.91%) | $70,867 (+8.36%) | $73,600 (+12.54%) Land $7,500 Building $66,100 |
| 2023 | $608.00 | $65,400 Land $7,500 Building $57,900 | $65,400 Land $7,500 Building $57,900 |
228 E Elder St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Allegany County (24001C), updated November 12, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 41st in Maryland |
|---|---|
| Wildfire Likelihood | Low — about 1 in 8,333 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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