Allegany County property record for 433 Independence St, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 910 sqft · built 1900 |
| Lot Size | 0.042 acres (1,843 sqft) |
| Owner | Individual Name on File |
| Last Sale | $14,500 (Apr 1998) |
| Tax Bill | $208 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Sep 2017 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-014824 |
| Primary APN | 05-014824 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 910 sqft Total Area |
| Basement Area | 88 sqft |
| Unfinished Basement | 88 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,843 sqft (0.042 acres) |
| Lot Dimensions | 97 ft deep x 19 ft wide |
| Porch | Slab |
| Porch Area | 88 sqft |
| Deck Area | 216 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 014824 |
|---|---|
| Street Address | 433 INDEPENDENCE ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-1611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 433 INDEPENDENCE ST 19X97 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 23, DECATUR |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 2300 |
433 Independence St is owned and occupied by an individual who acquired it in July 2017.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 433 INDEPENDENCE ST, CUMBERLAND, MD 21502-1611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES CFCU |
| Sep 14, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Sep 14, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 1998 · Amount on File |
| Deed Sale | Apr 6, 1998 · Amount on File |
| Deed Document Number | 1998542 |
| Deed Book / Page | 659 / 5 |
| Last Transfer Date | Jul 12, 2017 |
| Transfer Doc | 002325-0373 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 433 INDEPENDENCE ST, CUMBERLAND, MD 21502-1611 |
| Document Number | 0023610451 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2018 |
| Name | Verified Name |
|---|---|
| Address | 433 INDEPENDENCE ST CUMBERLAND MD 215021611, CUMBERLAND, MD 21502-1611 |
| Document Number | 0023610451 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 002361/000451 |
| Name | FIRST PEOPLES CFCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 25, 2023 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Sep 14, 2017 |
| Property Address | 433 INDEPENDENCE ST, CUMBERLAND, MD 21502-1611 |
| Document Number | 0023250375 |
| Book / Page | 002325 / 000375 |
| Instrument Date | Jul 12, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13807 MCDANIEL LN SE CUMBERLAND MD 21502, CUMBERLAND, MD 21502 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Sep 14, 2017 |
| Property Address | 433 INDEPENDENCE ST, CUMBERLAND, MD 21502-1611 |
| Document Number | 0023250377 |
| Book / Page | 002325 / 000377 |
| Instrument Date | Jul 12, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 INDEPENDENCE ST CUMBERLAND MD 215021611, CUMBERLAND, MD 21502-1611 |
The 2025 property tax bill for 433 Independence St was $208.
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 | $25,700 (+13.22%) Land $1,600 Building $24,100 | $25,700 (-) Land $1,600 Building $24,100 | |
| 2025 | $208.00 | $22,700 | $25,700 Land $1,600 Building $24,100 |
| 2023 | $155.00 | $16,700 Land $1,600 Building $15,100 | $16,700 Land $1,600 Building $15,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 433 Independence St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 Policies | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Apr 2024 · rainfall accumulation |
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 433 Independence St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 76% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% 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 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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