Washington County property record for 3 Cumberland St, Clear Spring, MD 21722
| Property Type | Townhouse |
|---|---|
| Details | 2 ba · 1,404 sqft · built 1910 |
| Lot Size | 0.255 acres (11,088 sqft) |
| Owner | Company Name on Record |
| Last Sale | $135,000 (May 2017) |
| Tax Bill | $2,220 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2017 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-001729 |
| Primary APN | 04-001729 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Total Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 11,088 sqft (0.255 acres) |
| Lot Dimensions | 198 ft deep x 56 ft wide |
| Garage Type | Detached |
| Garage Area | 828 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 486 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 001729 |
|---|---|
| Street Address | 3 CUMBERLAND ST |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1970 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | U |
| Legal Description | PTLT 55 56X198 3 CUMBERLAND ST |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 13911 PATRIOT WAY, HAGERSTOWN, MD 21740-2471 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed, Transfer · Stand-Alone First Mortgage FARMERS & MERCHANTS TRUST CO |
| May 15, 2017 | Grant Deed, Transfer · Line of Credit FARMERS & MERCHANTS TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2017 · Amount on Record |
| Deed Sale | May 15, 2017 · Amount on Record |
| Prior Sale | Jun 1, 1990 · Amount on Record |
| Deed Document Number | 20175503-0307 |
| Deed Book / Page | 5503 / 307 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jun 25, 2021 |
| Property Address | 3 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 0066750370 |
| Book / Page | 6675 / 370 |
| Instrument Date | Jun 24, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | OLDE STONE TITLE, OLDE TOWNE TITLE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12500 GARROW DR, CLEAR SPRING, MD 21722-1722 |
| Document Number | 0006675376 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 6675/376 |
| Name | FARMERS & MERCHANTS TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 15, 2017 |
| Property Address | 3 CUMBERLAND ST, CLEAR SPRING, MD 21722-1970 |
| Document Number | 0055030307 |
| Book / Page | 005503 / 000307 |
| Instrument Date | May 11, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2017 |
| Title Company | OLDE TOWNE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12500 GARROW DR CLEAR SPRING MD 217221722, CLEAR SPRING, MD 21722-1722 |
| Document Number | 55030313 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 005503/000313 |
| Name | FARMERS & MERCHANTS TR |
|---|---|
| Type | Funding / Finance Company |
| Address | 518 N ANTRIM WAY, GREENCASTLE, PA 17225-9779 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $2,220.00 (+18.34%) | $243,700 (+18.36%) Land $76,000 Building $167,700 | $243,700 (-) Land $76,000 Building $167,700 |
| 2025 | $1,876.00 (+57.38%) | $205,900 (+58.02%) | $243,700 (+87.03%) Land $76,000 Building $167,700 |
| 2023 | $1,192.00 | $130,300 Land $76,000 Building $54,300 | $130,300 Land $76,000 Building $54,300 |
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 62 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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