340 Davidson St, Cumberland, MD 21502 Property Records

Allegany County property record for 340 Davidson St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1930
Lot Size	0.08 acres (3,486 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,900 (Apr 2026)
Tax Bill	$174 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-006901`

Property Details

APN / Parcel Number

Primary APN	`23-006901`
Alternative APN	`006901`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Total Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Material	Slate
Lot Area	3,486 sqft (0.08 acres)
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	006901
Street Address	340 DAVIDSON ST
City	CUMBERLAND
State	MD
Zip	21502-1747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3,486 SF W/S DAVIDSON ST 34.54 X CUMBERLAND 33.
Legal Subdivision	MAGRUDERS ADDITION
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	1
Census Block	1025
Census Tract	2300

Historic Designation

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

Historic District	Within the Decatur Heights Historic District listed 2005 · 342 contributing resources · NRIS 05001478

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 October 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	340 DAVIDSON ST, CUMBERLAND, MD 21502-1747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	Feb 28, 2025 · Amount on Record
Deed Book / Page	3148 / 37
Record Updated	Oct 29, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ALLEGANY MD
Recording Date	Apr 1, 2026
Property Address	340 DAVIDSON ST, CUMBERLAND, MD 21502-1747
Document Number	3148000037
Book / Page	3148 / 37
Instrument Date	Feb 6, 2026
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	ALLEGANY/GARRETT TITLE AND SETTLEMENT, ALLEGANY GARRETT TITLES & SETT

Transaction

Amount	Amount Recorded
Tax	$171,599.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	340 DAVIDSON ST, CUMBERLAND, MD 21502-1747

Mortgage

Document Number	3148000046,
Date	Apr 1, 2026
Book Page	3148/46

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	3148000064,
Date	Apr 1, 2026
Book Page	3148/64

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Mar 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of October 1, 2026

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		$113,600 (+497.89%) Land $3,100 Building $110,500	$113,600 (+482.56%) Land $3,100 Building $110,500
2025	$174.00 (+4.19%)	$19,000 (+5.56%)	$19,500 (+8.33%) Land $3,100 Building $16,400
2023	$167.00	$18,000 Land $5,800 Building $12,200	$18,000 Land $5,800 Building $12,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 600 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
SkyPacket Fixed Wireless	100 / 20

May also be available: Crowsnest Broadband.

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