Washington County property record for 32 Cumberland St, Clear Spring, MD 21722
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,560 sqft · built 1895 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Company Name on File |
| Last Sale | $100,000 (Feb 2018) |
| Tax Bill | $1,339 (2026) |
| Deeds & Mortgages | Sep 2018 Line of Credit Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-008383 |
| Primary APN | 04-008383 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,560 sqft Total Area |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 198 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 360 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 008383 |
|---|---|
| Street Address | 32 CUMBERLAND ST |
| City | CLEAR SPRING |
| State | MD |
| Zip | 21722-1971 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | U |
| Legal Description | PT LOT 44 33X198 32 CUMBERLAND ST |
| Legal Lot Number | 44 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 4, CLEAR SPRING |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 10600 |
32 Cumberland St is owned by a company that bought it in February 2018.
Source: Washington County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 13911 PATRIOT WAY, HAGERSTOWN, MD 21740-2471 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 14, 2018 | Deed of Trust, Mortgage · Line of Credit ONE M&T PLAZA |
| Aug 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage M&T BK |
| Feb 28, 2018 | Grant Deed, Transfer OLDE TOWNE TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2018 · Amount on File |
| Deed Sale | Feb 28, 2018 · Amount on File |
| Prior Sale | Dec 27, 1991 · Amount on File |
| Deed Book / Page | 5698 / 122 |
| Prior Transfer Date | Jun 29, 2015 |
| Prior Transfer Doc | 0050330377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 32 CUMBERLAND ST, CLEAR SPRING, MD 21722-1971 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058330344 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 5833/0344 |
| Name | ONE M&T PLAZA |
|---|---|
| Type | Non-Lending Institution |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 32 CUMBERLAND ST, CLEAR SPRING, MD 21722-1971 |
| Document Number | 0058330345 |
| Instrument Date | Aug 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 32 CUMBERLAND ST CLEAR SPRING MD 217221971, CLEAR SPRING, MD 21722-1971 |
| Document Number | 0058330345 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 005833/000345 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Feb 28, 2018 |
| Property Address | 32 CUMBERLAND ST, CLEAR SPRING, MD 21722-1971 |
| Document Number | 0056980122 |
| Book / Page | 005698 / 000122 |
| Instrument Date | Feb 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2018 |
| Title Company | OLDE TOWNE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $100.00 |
| 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 |
The 2026 property tax bill for 32 Cumberland St was $1,339, up 9% from the year before.
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 | $1,339.00 (+8.95%) | $147,000 (+8.94%) Land $39,000 Building $108,000 | $147,000 (-) Land $39,000 Building $108,000 |
| 2025 | $1,229.00 (+9.83%) | $134,933 | $147,000 Land $39,000 Building $108,000 |
| 2024 | $1,119.00 (+10.46%) | ||
| 2023 | $1,013.00 | $110,800 Land $39,000 Building $71,800 | $110,800 Land $39,000 Building $71,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Cumberland St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 32 Cumberland St is low, with a 0.01% annual chance of 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 | 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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