406 E Oldtown Rd, Cumberland, MD 21502 Property Records

Allegany County property record for 406 E Oldtown Rd, Cumberland, MD 21502 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1.5 Baths
Year Built	Built 1900
Square Footage	1,742 sqft Total Area
Lot Size	5,600 sqft (0.129 acres)
Garage	Mixed, 624 sqft
Occupancy	Owner Occupied
Last Sale	$122,500 (2012)
Tax Bill	$1,229.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`04-044665`
Alternative APNs	`4044665` `044665`

Interior

Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,742 sqft Total Area
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	5,600 sqft (0.129 acres)
Depth X Width	140 ft x 40 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Mixed Garage
Garage Area	624 sqft Garage
Deck Area	97 sqft Deck
Porch Area	200 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	044665
Street Address	406 E OLDTOWN RD
City	CUMBERLAND
State	MD
Zip	21502-3654
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	406 OLDTOWN RD PT LOT 1 BLK 3 40X140 JH
Legal Subdivision	CUMBERLAND HEIGHTS ADDITION
Legal Block	3
Legal Lot Number	1
Jurisdiction	ALLEGANY MD
Minor Civil Division	4, CUMBERLAND
Census Blockgroup	2
Census Block	2022
Census Tract	600

Owner

Source: Allegany County records · APN 04-044665

Assessment roll updated July 31, 2025 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	406 E OLDTOWN RD, CUMBERLAND, MD 21502-3654
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 11, 2012 · Amount on Record
Deed Sale	Apr 11, 2012 · Amount on Record
Prior Sale	Dec 03, 2010 · Amount on Record
Deed Book / Page	1865 / 431
Record Refreshed	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	406 E OLDTOWN RD, CUMBERLAND, MD 21502-3654
Document Number	0023370151
Book / Page	002337 / 000151
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Feb 02, 2018
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E OLDTOWN RD CUMBERLAND MD 215023654, CUMBERLAND, MD 21502-3654

Mortgage

Document Number	0023370151
Date	Nov 02, 2017
Book Page	002337/000151

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	180 Months
Due	Nov 01, 2032

Tax Assessment & Valuation

Source: Allegany County records · Assessment roll updated July 31, 2025 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$162,900 (+31.9%) Land $11,200 Building $151,700	$162,900 (+31.9%) Land $11,200 Building $151,700
2025	$1,229.00 (+8.09%) Homeowner's exemption
2023	$1,137.00 Homeowner's exemption	$123,500 Land $11,200 Building $112,300	$123,500 Land $11,200 Building $112,300

Flood & Wildfire

406 E Oldtown Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Allegany County (24001C), updated November 12, 2023

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

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

Historic District	Within 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.