433 Williams St, Cumberland, MD 21502 Property Records

Allegany County property record for 433 Williams St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,092 sqft · built 1930
Lot Size	0.104 acres (4,550 sqft)
Owner	Individual Name on Record
Last Sale	$129,000 (Sep 2025)
Tax Bill	$979 (2025)
Deeds & Mortgages	Mar 2022 Second Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-022343`

Property Details

APN / Parcel Number

Primary APN	`04-022343`
Alternative APN	`022343`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,092 sqft Total Area
Basement Area	728 sqft
Finished Basement	728 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,550 sqft (0.104 acres)
Lot Dimensions	130 ft deep x 35 ft wide
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	022343
Street Address	433 WILLIAMS ST
City	CUMBERLAND
State	MD
Zip	21502-3257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	433 WILLIAMS ST LOT 19 BLK 17 JH 35X130
Legal Subdivision	CUMBERLAND HEIGHTS ADDITION
Legal Block	17
Legal Lot Number	19
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	1
Census Block	1022
Census Tract	600

Owner

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	433 WILLIAMS ST, CUMBERLAND, MD 21502-3257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Sep 10, 2025	Special Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Aug 9, 2019	Grant Deed, Transfer · FHA Mortgage ALCOVA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2025 · Amount on Record
Deed Sale	Sep 10, 2025 · Amount on Record
Prior Sale	Aug 9, 2019 · Amount on Record
Deed Book / Page	3090 / 445
Prior Transfer Date	Jun 22, 2016
Prior Transfer Doc	0022360146
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	433 WILLIAMS ST, CUMBERLAND, MD 21502-3257
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 WILLIAMS ST, CUMBERLAND, MD 21502-3257

Mortgage

Document Number	002759-0067
Date	Mar 4, 2022
Book Page	2759/67

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Aug 1, 2049

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 10, 2025
Property Address	433 WILLIAMS ST, CUMBERLAND, MD 21502-3257
Document Number	003090-0445
Book / Page	3090 / 445
Map Reference	PL 1 FO 142
Instrument Date	Aug 13, 2025
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	ALLEGANY/GARRETT TITLE AND SETTLEMENT, ALLEGANY GARRETT TITLES & ST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Amount Accuracy	Estimated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	433 WILLIAMS ST, CUMBERLAND, MD 21502-3257

Mortgage

Document Number	0003090454
Date	Sep 10, 2025
Instrument	3090/454

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Aug 9, 2019
Property Address	433 WILLIAMS ST, CUMBERLAND, MD 21502-3257
Document Number	0024880001
Book / Page	002488 / 000001
Instrument Date	Jul 26, 2019
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 WILLIAMS ST CUMBERLAND MD 215023257, CUMBERLAND, MD 21502-3257

Mortgage

Document Number	24880008
Date	Aug 9, 2019
Book Page	002488/000008

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of October 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,000 (+10.69%) Land $7,200 Building $129,800	$137,000 (-) Land $7,200 Building $129,800
2025	$979.00 (+8.18%) Homeowner's exemption	$123,767 (+27.2%)	$137,000 (+40.8%) Land $7,200 Building $129,800
2023	$905.00 Homeowner's exemption	$97,300 Land $7,200 Building $90,100	$97,300 Land $7,200 Building $90,100

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

Flood

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	3 in force
Nearby Flood Claims	2 (1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 1996 · Severe Storms And Flooding Assoc With Tropical Storm Fran

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 566 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
SkyPacket Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Crowsnest Broadband, T-Mobile.

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