Allegany County property record for 401 Columbia St, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,058 sqft · built 1910 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $55,000 (Dec 1999) |
| Tax Bill | $647 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-025133 |
| Primary APN | 05-025133 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,058 sqft Total Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 198 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 515 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 025133 |
|---|---|
| Street Address | 401 COLUMBIA ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-1600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 401 COLUMBIA ST GEPHART ADDN 186 50X198 |
| Legal Subdivision | GEPHART ADD |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 23, DECATUR |
| Census Block Group | 1 |
| Census Block | 1060 |
| Census Tract | 1000 |
401 Columbia St is owned and occupied by two individuals who bought it in December 1999.
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 File |
|---|---|
| Mailing Address | 401 COLUMBIA ST, CUMBERLAND, MD 21502-1600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 1999 · Amount on File |
| Deed Sale | Dec 28, 1999 · Amount on File |
| Prior Sale | Jun 29, 1994 |
| Deed Document Number | 19992272 |
| Deed Book / Page | 678 / 156 |
| Transfer Doc | 0000000906 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 401 Columbia St was $647 with a homeowner's exemption.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $84,600 Land $6,300 Building $78,300 | $84,600 Land $6,300 Building $78,300 | |
| 2025 | $647.00 Homeowner's exemption | ||
| 2023 | $598.00 Homeowner's exemption | $64,300 Land $6,300 Building $58,000 | $64,300 Land $6,300 Building $58,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Columbia St in Zone X, an area of minimal flood risk, though there have been 6 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 |
| Nearby Flood Claims | 6 (1979–1996) |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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 401 Columbia 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 | 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 |
| 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 721 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 |
| Starlink Satellite | 280 / 30 |
| SkyPacket Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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