446 N Centre St, Cumberland, MD 21502 Property Records

Allegany County property record for 446 N Centre St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,490 sqft · built 1915
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Dec 2020)
Tax Bill	$1,775 (2025)
Deeds & Mortgages	Dec 2020 Sale Nov 2018 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`05-029120`

Property Details

APN / Parcel Number

Primary APN	`05-029120`
Alternative APNs	`5029120` `029120`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,490 sqft Total Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	67 ft deep x 26 ft wide

Exterior Amenities

Porch	Slab
Porch Area	226 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	029120
Street Address	446 N CENTRE ST
City	CUMBERLAND
State	MD
Zip	21502-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	Z-RC
Legal Description	446 N CENTRE ST PT LOT 8 26X67 GEPHART ADDN
Legal Subdivision	GEPHART ADD
Legal Lot Number	8
Jurisdiction	ALLEGANY MD
Township / Civil Division	14, CUMBERLAND
Census Block Group	2
Census Block	2012
Census Tract	1000

Owner

Source: Allegany County records, as of October 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	446 N CENTRE ST, CUMBERLAND, MD 21502-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Grant Deed, Transfer ATTORNEY ONLY
Nov 2, 2018	Deed of Trust, Mortgage · Conventional with PMI GRANT CNTY BK
Sep 20, 2018	Grant Deed, Transfer ATTORNEY ONLY
Aug 24, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Sep 20, 2018 · Amount on Record
Deed Book / Page	2619 / 360
Prior Transfer Date	Aug 16, 2018
Prior Transfer Doc	0024060256
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 30, 2020
Property Address	446 N CENTRE ST, CUMBERLAND, MD 21502-2220
Document Number	0026190360
Book / Page	002619 / 000360
Instrument Date	Aug 17, 2020
Transaction Type	Transfer
Record Updated	Jan 14, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$980.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E PUTNAM RD PUTNAM CT 06260, PUTNAM, CT 06260

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	446 N CENTRE ST, CUMBERLAND, MD 21502-2220
Document Number	0024340380
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 N CENTRE ST CUMBERLAND MD 215022220, CUMBERLAND, MD 21502-2220

Mortgage

Document Number	0024340380
Date	Dec 20, 2018
Book Page	002434/000380

Lender

Name	GRANT CNTY BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Dec 19, 2033

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 20, 2018
Property Address	446 N CENTRE ST, CUMBERLAND, MD 21502-2220
Document Number	0024130370
Book / Page	002413 / 000370
Instrument Date	Sep 11, 2018
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$770.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 N CENTRE ST CUMBERLAND MD 215022220, CUMBERLAND, MD 21502-2220

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ALLEGANY MD
Recording Date	Aug 24, 2018
Property Address	446 N CENTRE ST, CUMBERLAND, MD 21502-2220
Document Number	0024060256
Book / Page	002406 / 000256
Instrument Date	Mar 14, 2018
Transaction Type	Foreclosure
Record Updated	Sep 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$941.36
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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		$209,100 (+17.21%) Land $6,000 Building $203,100	$209,100 (+17.21%) Land $6,000 Building $203,100
2025	$1,775.00 (+6.99%) Homeowner's exemption
2023	$1,659.00 Homeowner's exemption	$178,400 Land $6,000 Building $172,400	$178,400 Land $6,000 Building $172,400

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1989–1995)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1995 · river or lake 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

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	Indirect within 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 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.

Nearby Properties on N Centre St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures