439 Pine Ave, Cumberland, MD 21502 Property Records

Allegany County property record for 439 Pine Ave, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,280 sqft · built 1909
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$116,500 (Jul 2025)
Tax Bill	$469 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Jun 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-012436`

Property Details

APN / Parcel Number

Primary APN	`22-012436`
Alternative APN	`012436`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,280 sqft Total Area

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	200 ft deep x 40 ft wide
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	012436
Street Address	439 PINE AVE
City	CUMBERLAND
State	MD
Zip	21502-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	439 PINE AVE LOT 380 40X200 EASTERN ADDN
Legal Subdivision	EASTERN ADD
Legal Lot Number	380
Jurisdiction	ALLEGANY MD
Township / Civil Division	22, CUMBERLAND
Census Block Group	1
Census Block	1020
Census Tract	500

Owner

Source: Allegany County assessment roll, as of July 31, 2025

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	439 PINE AVE, CUMBERLAND, MD 21502-2521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Grant Deed, Transfer · Conventional with PMI COREY GADWAY
Jun 28, 2018	Grant Deed, Transfer OTHER
Dec 8, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 1, 2025 · Amount on Record
Deed Sale	Jul 1, 2025 · Amount on Record
Prior Sale	Sep 16, 2024 · Amount on Record
Record Updated	Sep 20, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 15, 2020
Property Address	439 PINE AVE, CUMBERLAND, MD 21502-2521
Document Number	0025280374
Book / Page	002528 / 000374
Instrument Date	Nov 21, 2019
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	TRI-STATE SIGNATURE SETTLEMENTS, TRI-ST SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	439 PINE AVE CUMBERLAND MD 215022521, CUMBERLAND, MD 21502-2521

Mortgage

Document Number	25280380
Date	Jan 15, 2020
Book Page	002528/000380

Lender

Name	COREY GADWAY
Address	10232 EASTERDAY CT, HAGERSTOWN, MD 21742-9775
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Jan 14, 2030

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 28, 2018
Property Address	439 PINE AVE, CUMBERLAND, MD 21502-2521
Document Number	0023920004
Book / Page	002392 / 000004
Instrument Date	May 16, 2018
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$85.68
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	10232 EASTERDAY CT HAGERSTOWN MD 217429775, HAGERSTOWN, MD 21742-9775

December 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 8, 2017
Property Address	439 PINE AVE, CUMBERLAND, MD 21502-2521
Document Number	0023460190
Book / Page	002346 / 000190
Instrument Date	Aug 2, 2017
Transaction Type	Foreclosure
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$238.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 PINE AVE CUMBERLAND MD 215022521, CUMBERLAND, MD 21502-2521

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of July 31, 2025

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		$56,200 (+37.07%) Land $6,500 Building $49,700	$56,200 (+37.07%) Land $6,500 Building $49,700
2025	$469.00 (+23.1%)
2023	$381.00	$41,000 Land $6,500 Building $34,500	$41,000 Land $6,500 Building $34,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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.

Wildfire

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 at the parcel

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 184 locations within half a mile, as of December 31, 2025

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

May also be available: Crowsnest Broadband.

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