Allegany County property record for 23 Beechwood Dr, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,013 sqft · built 1970 |
| Lot Size | 0.368 acres (16,015 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Sep 2023) |
| Tax Bill | $1,575 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-048717 |
| Primary APN | 04-048717 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,013 sqft Total Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 16,015 sqft (0.368 acres) |
| Garage Type | Attached |
| Garage Area | 270 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 96 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 048717 |
|---|---|
| Street Address | 23 BEECHWOOD DR |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-4401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 23 BEECHWOOD DR LOT 83 80X186 WHITE OAKS MANOR 82X207 |
| Legal Subdivision | WHITE OAKS MANOR ADD CUMBERLAN |
| Legal Lot Number | 83 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 4, CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 23 BEECHWOOD DR, CUMBERLAND, MD 21502-4401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Nov 15, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 5, 2023 | Deed, Transfer · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU |
| Nov 19, 2019 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on Record |
| Deed Sale | Sep 5, 2023 · Amount on Record |
| Prior Sale | Nov 18, 2016 · Amount on Record |
| Deed Book / Page | 2905 / 177 |
| Prior Transfer Date | Jan 25, 2012 |
| Prior Transfer Doc | 001851-0531 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 23 BEECHWOOD DR, CUMBERLAND, MD 21502-4401 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002923-0029 |
|---|---|
| Date | Nov 15, 2023 |
| Book Page | 2923/29 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Sep 5, 2023 |
| Property Address | 23 BEECHWOOD DR, CUMBERLAND, MD 21502-4401 |
| Document Number | 002905-0177 |
| Book / Page | 2905 / 177 |
| Instrument Date | Aug 8, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $475.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 BEECHWOOD DR, CUMBERLAND, MD 21502-4401 |
| Document Number | 0029050184 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 2905-0184 |
| Name | FIRST PEOPLES COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 23 BEECHWOOD DR, CUMBERLAND, MD 21502-4401 |
| Document Number | 0025210438 |
| Instrument Date | Nov 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 23 BEECHWOOD DR CUMBERLAND MD 215024401, CUMBERLAND, MD 21502-4401 |
| Document Number | 0025210438 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 002521/000438 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $193,500 (+12.57%) Land $19,000 Building $174,500 | $193,500 (-) Land $19,000 Building $174,500 | |
| 2025 | $1,575.00 (+31.58%) | $171,900 (+33.57%) | $193,500 (+50.35%) Land $19,000 Building $174,500 |
| 2023 | $1,197.00 | $128,700 Land $19,000 Building $109,700 | $128,700 Land $19,000 Building $109,700 |
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 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 | 2 (1993–1996) |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 513 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 |
| Verizon Fixed Wireless | 300 / 20 |
| SkyPacket Fixed Wireless | 100 / 20 |
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