Allegany County property record for 442 Walnut St, Cumberland, MD 21502
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,540 sqft · built 1890 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | Company Name on File |
| Last Sale | $575,000 (Dec 2023) |
| Tax Bill | $389 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-006821 |
| Primary APN | 05-006821 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,540 sqft Total Area |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,742 sqft (0.04 acres) |
| Lot Dimensions | 102 ft deep x 17 ft wide |
| Porch | Slab |
| Porch Area | 113 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 006821 |
|---|---|
| Street Address | 442 WALNUT ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-1616 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | 442 WALNUT ST PT LOT 35 100 GEPHART 2ND ADDN 17X102 |
| Legal Subdivision | GEPHART 2ND ADD |
| Legal Lot Number | 35 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 23, DECATUR |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 1000 |
442 Walnut St, a townhouse, is owned by a company that bought it in December 2023.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 401 LEFEVRE RD, CUMBERLAND, MD 21502-2612 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Dec 28, 2023 | Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC |
| Nov 21, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on File |
| Deed Sale | Dec 28, 2023 · Amount on File |
| Prior Sale | Oct 1, 1997 · Amount on File |
| Deed Book / Page | 2932 / 459 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Dec 28, 2023 |
| Property Address | 442 WALNUT ST, CUMBERLAND, MD 21502-1616 |
| Document Number | 002932-0459 |
| Book / Page | 2932 / 459 |
| Instrument Date | Sep 28, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2024 |
| Title Company | NOT AVAILABLE, NEW WORLD TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 LEFEVRE RD, CUMBERLAND, MD 21502-2612 |
| Document Number | 0029320474 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 2932-0474 |
| Name | COMMERCIAL LENDER LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 442 WALNUT ST, CUMBERLAND, MD 21502-1616 |
| Document Number | 0025160242 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 442 WALNUT ST CUMBERLAND MD 215021616, CUMBERLAND, MD 21502-1616 |
| Document Number | 0025160242 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 002516/000242 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | HAGERSTOWN, MD 21740-6621 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 442 Walnut St was $389.
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 | $47,600 Land $1,500 Building $46,100 | $47,600 Land $1,500 Building $46,100 | |
| 2025 | $389.00 | ||
| 2023 | $299.00 | $32,200 Land $1,500 Building $30,700 | $32,200 Land $1,500 Building $30,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 442 Walnut St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.
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 | 6 (1979–1996) |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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 442 Walnut St is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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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