Allegany County property record for 348 McHenry St, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,456 sqft · built 1900 |
| Lot Size | 0.808 acres (35,182 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,500 (Dec 2019) |
| Tax Bill | $1,724 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Dec 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-035105 |
| Primary APN | 29-035105 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,456 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 35,182 sqft (0.808 acres) |
| Porch | Slab |
| Porch Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 035105 |
|---|---|
| Street Address | 348 MCHENRY ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-7114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 35182 SQ FT 348 MCHENRY ST LOTS 23-24 PT 25 |
| Legal Subdivision | RUSSEL W & PATRICIA A HENSEL |
| Legal Lot Number | 23,24 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 29, LA VALE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1402 |
348 McHenry St is owned and occupied by two individuals who bought it in December 2019.
Source: Allegany County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 348 MCHENRY ST, CUMBERLAND, MD 21502-7114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 18, 2019 | Grant Deed, Transfer · FHA Mortgage SOUTHERN TR MTG |
| Mar 15, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Mar 15, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2019 · Amount on File |
| Deed Sale | Dec 18, 2019 · Amount on File |
| Prior Sale | Mar 15, 2018 · Amount on File |
| Deed Book / Page | 2523 / 5 |
| Prior Transfer Date | Mar 5, 2018 |
| Prior Transfer Doc | 0023650323 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 348 MCHENRY ST, LAVALE, MD 21502-7114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 348 MCHENRY ST, LAVALE, MD 21502-7114 |
| Document Number | 002707-0085 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 2707/85 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Nov 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Dec 18, 2019 |
| Property Address | 348 MCHENRY ST, LAVALE, MD 21502-7114 |
| Document Number | 0025230005 |
| Book / Page | 002523 / 000005 |
| Instrument Date | Oct 9, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $507.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 348 MCHENRY ST LAVALE MD 215027114, LAVALE, MD 21502-7114 |
| Document Number | 25230011 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 002523/000011 |
| Name | SOUTHERN TR MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 17, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Mar 15, 2019 |
| Property Address | 348 MCHENRY ST, LAVALE, MD 21502-7114 |
| Document Number | 0024520194 |
| Book / Page | 002452 / 000194 |
| Instrument Date | Sep 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Mar 15, 2018 |
| Property Address | 348 MCHENRY ST, LAVALE, MD 21502-7114 |
| Document Number | 0023650323 |
| Book / Page | 002365 / 000323 |
| Instrument Date | Nov 29, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $532.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 7105 CORPORATE DR PLANO TX 750244100, PLANO, TX 75024-4100 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 348 McHenry St was $1,724.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $149,500 (+6.86%) | $159,100 (-) Land $42,500 Building $116,600 | |
| 2025 | $1,724.00 | $139,900 | $159,100 Land $42,500 Building $116,600 |
| 2023 | $1,294.00 | $119,067 | $130,300 Land $38,000 Building $92,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 348 McHenry St in Zone X, an area of minimal flood risk, though there have been 40 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 40 (1979–2025) |
| Claims Outside the SFHA | 10 of 40 |
| Most Recent Claim | May 2025 · river or lake flooding |
| Claims by Event |
|
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 348 McHenry St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | LAVALE SANITARY COMMISSION serves 5,500 people · EPA ID MD0010016 |
|---|---|
| Water Source | Purchased surface water from CITY OF CUMBERLAND |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2020–2022) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| SkyPacket Fixed Wireless | 100 / 20 |
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