Allegany County property record for 428 Pine Ave, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 960 sqft · built 1962 |
| Lot Size | 0.161 acres (6,997 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $59,000 (May 1997) |
| Tax Bill | $964 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-003208 |
| Primary APN | 22-003208 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 960 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,997 sqft (0.161 acres) |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 420 sqft |
| Porch | Slab |
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 003208 |
|---|---|
| Street Address | 428 PINE AVE |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-2522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 428 PINE AVE LOT 341 40X169 EASTERN ADDN 41X177 |
| Legal Subdivision | EASTERN ADD |
| Legal Lot Number | 341 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 22, CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 428 PINE AVE, CUMBERLAND, MD 21502-2522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 1997 · Amount on Record |
| Deed Sale | May 21, 1997 · Amount on Record |
| Prior Sale | Oct 29, 1982 · Amount on Record |
| Deed Document Number | 1997865 |
| Deed Book / Page | 648 / 884 |
| Last Transfer Date | Feb 28, 2025 |
| Transfer Doc | 003052-0128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Jul 7, 2026 |
| Property Address | 428 PINE AVE, CUMBERLAND, MD 21502-2522 |
| Document Number | 3178000342 |
| Book / Page | 3178 / 342 |
| Instrument Date | Jul 1, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Title Company | CLOSING USA LLC, CLOSING USA |
| Name | Verified Name |
|---|---|
| Address | 428 PINE AVE, CUMBERLAND, MD 21502-2522 |
| Document Number | 3178000342, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 3178/342 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $117,200 (+11.48%) Land $6,200 Building $111,000 | $117,200 (-) Land $6,200 Building $111,000 | |
| 2025 | $964.00 (+28.02%) | $105,133 (+29.79%) | $117,200 (+44.69%) Land $6,200 Building $111,000 |
| 2023 | $753.00 | $81,000 Land $6,200 Building $74,800 | $81,000 Land $6,200 Building $74,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2008 |
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.
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 | 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 | 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 420 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| SkyPacket Fixed Wireless | 100 / 20 |
May also be available: Crowsnest Broadband.
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