303 E Oldtown Rd, Cumberland, MD 21502 Property Records

Allegany County property record for 303 E Oldtown Rd, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,284 sqft · built 1925
Lot Size	0.07 acres (3,052 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Oct 2022)
Tax Bill	$641 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-050002`

Property Details

APN / Parcel Number

Primary APN	`04-050002`
Alternative APN	`050002`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,284 sqft Total Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Siding
Construction Type	Frame
Roof Material	Metal
Lot Area	3,052 sqft (0.07 acres)
Porch	Slab
Porch Area	282 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	050002
Street Address	303 E OLDTOWN RD
City	CUMBERLAND
State	MD
Zip	21502-3651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3052.75 SQ FT OLDTOWN RD 29X110 26X 98
Legal Subdivision	HIGHLAND ADD CUMBERLAND
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	2
Census Block	2003
Census Tract	700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chapel Hill Historic District listed 2005 · 810 contributing resources · NRIS 05001477

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Allegany County records, as of August 18, 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	303 E OLDTOWN RD, CUMBERLAND, MD 21502-3651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2022 · Amount on Record
Deed Sale	Oct 18, 2022 · Amount on Record
Prior Sale	Jun 9, 2005 · Amount on Record
Deed Book / Page	2825 / 124
Record Updated	Sep 20, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 18, 2022
Property Address	303 E OLDTOWN RD, CUMBERLAND, MD 21502-3651
Document Number	002825-0124
Book / Page	2825 / 124
Map Reference	LB 78 FO 272
Instrument Date	Sep 9, 2022
Transaction Type	Transfer
Record Updated	Aug 14, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$212.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 E OLDTOWN RD, CUMBERLAND, MD 21502-3651

Mortgage

Document Number	0028250149
Date	Oct 18, 2022
Instrument	2825-0149

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNIT
Type	Government Agency

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	002825-0132
Date	Oct 18, 2022
Book Page	2825/132

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of July 31, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Municipality	Cumberland City
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$76,900 (+19.6%) Land $6,100 Building $70,800	$76,900 (+19.6%) Land $6,100 Building $70,800
2025	$641.00 (+7.19%) Homeowner's exemption
2023	$598.00	$64,300 (+0.26%) Land $6,100 Building $58,200	$64,300 (-) Land $6,100 Building $58,200
2022		$64,133	$64,300 Land $6,100 Building $58,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	5 (1978–1995)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jun 1995 · rainfall accumulation

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.

Wildfire

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 859 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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