414 Franklin St, Cumberland, MD 21502 Property Records

Allegany County property record for 414 Franklin St, Cumberland, MD 21502

Property Summary

Property Type	Townhouse
Details	2 ba · 2,312 sqft · built 1920
Lot Size	0.097 acres (4,233 sqft)
Owner	Company Name on File
Last Sale	$55,000 (Aug 2020)
Tax Bill	$608 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-024013`

Property Details

APN / Parcel Number

Primary APN	`05-024013`
Alternative APNs	`5024013` `024013`

Interior

Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,312 sqft Total Area
Attic	Attic
Attic Area	300 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,233 sqft (0.097 acres)
Lot Dimensions	100 ft deep x 42 ft wide
Porch	Slab
Porch Area	308 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	024013
Street Address	414 FRANKLIN ST
City	CUMBERLAND
State	MD
Zip	21502-1524
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	414-416 FRANKLIN ST PT LOTS 13-14 42X100 NORTHERN ADDN
Legal Subdivision	NORTHERN ADD
Legal Lot Number	13,14
Jurisdiction	ALLEGANY MD
Township / Civil Division	5, WILLS CREEK
Census Block Group	1
Census Block	1012
Census Tract	1000

Owner

Source: Allegany County records · APN 05-024013

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	Company Name on File
Mailing Address	521 PRINCE GEORGE ST, CUMBERLAND, MD 21502-3661
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Feb 08, 2007 · Amount on Record
Deed Book / Page	2577 / 444
Record Updated	Sep 20, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Aug 17, 2020
Property Address	414 FRANKLIN ST, CUMBERLAND, MD 21502-1524
Document Number	0025770444
Book / Page	002577 / 000444
Instrument Date	Jul 29, 2020
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	ATTICUS TITLE SERVICES LLC, ATTICUS TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	521 PRINCE GEORGE ST CUMBERLAND MD 215023661, CUMBERLAND, MD 21502-3661

Mortgage

Document Number	25770448
Date	Aug 17, 2020
Book Page	002577/000448

Lender

Name	FIRST PEOPLES CMNTY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21501-1377

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 16, 2035

Interest

Rate Type	Adjustable Rate

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		$71,900 (+30.25%) Land $7,500 Building $64,400	$71,900 (+30.25%) Land $7,500 Building $64,400
2025	$608.00 (+18.52%)
2023	$513.00	$55,200 Land $7,500 Building $47,700	$55,200 Land $7,500 Building $47,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 12, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Skypacket Networks Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 721 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF CUMBERLAND serves 27,039 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.