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4 Oak St, Cumberland, MD 21502 Property Records

Allegany County property record for 4 Oak St, Cumberland, MD 21502

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,102 sqft · built 1910
Lot Size0.052 acres (2,266 sqft)
OwnerCompany Name on Record
Last Sale$5,845 (Mar 2025)
Tax Bill$440 (2025)
Deeds & MortgagesFeb 2018 Line of Credit
Jan 2018 Transfer
Flood ZoneZone X (minimal risk)
APN04-007115

Property Details

APN / Parcel Number

Primary APN04-007115
Alternative APNs
  • 4007115
  • 007115

Interior

Full Baths1 Bath
Stories2 Stories
Building Area1,102 sqft Total Area

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area2,266 sqft (0.052 acres)
PorchSlab
Porch Area226 sqft

Utilities, Heating & Cooling

Heating SystemRadiant
SewerConnected

Location & Zoning

Account Number007115
Street Address4 OAK ST
CityCUMBERLAND
StateMD
Zip21502-3933
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description4 OAK ST LOT 2 AGNEW ADDN 25X68 32X91
Legal SubdivisionAGNEW ADD
Legal Lot Number2
JurisdictionALLEGANY MD
Township / Civil Division4, CUMBERLAND
Census Block Group2
Census Block2002
Census Tract800

Historic Designation

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

Historic DistrictWithin 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 October 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address122 MCCULLOH ST, FROSTBURG, MD 21532-1911
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Feb 2, 2018Deed of Trust, Mortgage · Line of Credit
FIRST UNITED BK
Jan 17, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 7, 2025 · Amount on Record
Deed SaleMar 7, 2025 · Amount on Record
Prior SaleJan 28, 1997
Deed Book / Page3043 / 311
Prior Transfer DateFeb 28, 2025
Record UpdatedOct 29, 2026

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGANY MD
Property Address4 OAK ST, CUMBERLAND, MD 21502-3933
Document Number0023600144
Instrument DateFeb 2, 2018
Transaction TypeMortgage
Record UpdatedAug 31, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address4 OAK ST CUMBERLAND MD 215023933, CUMBERLAND, MD 21502-3933

Mortgage

Document Number0023600144
DateFeb 20, 2018
Book Page002360/000144
Lender
NameFIRST UNITED BK
TypeBank
AddressCUMBERLAND, MD 21502
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionALLEGANY MD
Recording DateJan 17, 2018
Property Address4 OAK ST, CUMBERLAND, MD 21502-3933
Document Number0023530425
Book / Page002353 / 000425
Instrument DateDec 20, 2017
Transaction TypeTransfer
Record UpdatedFeb 13, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4 OAK ST CUMBERLAND MD 215023933, CUMBERLAND, MD 21502-3933

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyAllegany County
MunicipalityCumberland City
Unified School DistrictAllegany County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$51,100 (+6.39%) Land $6,000 Building $45,100$51,100 (-) Land $6,000 Building $45,100
2025$440.00 (+13.11%)$48,033 (+14.64%)$51,100 (+21.96%) Land $6,000 Building $45,100
2023$389.00$41,900 Land $6,000 Building $35,900$41,900 Land $6,000 Building $35,900

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1996)
Most Recent ClaimSep 1996 · Severe Storms And Flooding Assoc With Tropical Storm Fran

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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemCITY OF CUMBERLAND
serves 27,039 people · EPA ID MD0010008
Water SourceSurface water
Last State InspectionJul 2025
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 205 locations within half a mile, as of December 31, 2025

ProviderMax 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: Crowsnest Broadband.

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