Washington County property record for 27 Cumberland St, Clear Spring, MD 21722
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,332 sqft · built 1820 |
| Lot Size | 0.141 acres (6,138 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $106,500 (Feb 2017) |
| Tax Bill | $1,463 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-007921 |
| Primary APN | 04-007921 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,332 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1820 |
|---|---|
| Effective Year Built | Effective 1820 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 6,138 sqft (0.141 acres) |
| Lot Dimensions | 198 ft deep x 31 ft wide |
| Porch | Slab |
| Porch Area | 264 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 007921 |
|---|---|
| Street Address | 27 CUMBERLAND ST |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | U |
| Legal Description | PT LOT 45 31X198 27 CUMBERLAND ST |
| Legal Subdivision | CLEAR SPRG |
| Legal Lot Number | 45 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 4, CLEAR SPRING |
| Census Block Group | 1 |
| Census Block | 1061 |
| 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 | 27 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 1, 2022 | Deed of Trust, Mortgage · USDA Mortgage NATIONSTAR MORTGAGE LLC |
| Feb 16, 2017 | Deed, Transfer · Conventional Mortgage PACIFIC UNION FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2017 · Amount on Record |
| Deed Sale | Feb 16, 2017 · Amount on Record |
| Prior Sale | Oct 31, 2013 · Amount on Record |
| Deed Document Number | 20175442-0144 |
| Deed Book / Page | 5442 / 144 |
| Prior Transfer Date | Jun 29, 1983 |
| Prior Transfer Doc | 0762001062 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jun 12, 2026 |
| Property Address | 27 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 7946000403 |
| Book / Page | 7946 / 403 |
| Instrument Date | Jun 8, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET TITLE, ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 27 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 7946000403, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 7946/403 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 27 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | COVIUS SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 27 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 0070720347 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | 7072/347 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 295 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Feb 16, 2017 |
| Property Address | 27 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 0054420144 |
| Book / Page | 5442 / 0144 |
| Instrument Date | Feb 14, 2017 |
| Instrument | 5442-0144 |
| 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 | $407.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 27 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 54420149 |
|---|---|
| Date | Feb 16, 2017 |
| Instrument | 5442-0149 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 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 | $1,463.00 (+8.77%) | $160,600 (+8.81%) Land $38,600 Building $122,000 | $160,600 (-) Land $38,600 Building $122,000 |
| 2025 | $1,345.00 (+20.95%) | $147,600 (+21.38%) | $160,600 (+32.07%) Land $38,600 Building $122,000 |
| 2023 | $1,112.00 | $121,600 Land $38,600 Building $83,000 | $121,600 Land $38,600 Building $83,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
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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