Allegany County property record for 446 N Mechanic St, Cumberland, MD 21502
| Property Type | Office Building |
|---|---|
| Details | 13,680 sqft · built 1902 |
| Lot Size | 0.249 acres (10,839 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,177 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 05-024684 |
| Primary APN | 05-024684 |
|---|---|
| Alternative APNs |
|
| Units | 3 Units |
|---|---|
| Stories | 4 Stories |
| Building Area | 13,680 sqft Total Area |
| 1st Floor Area | 13,680 sqft |
| Basement Area | 3,420 sqft |
| Unfinished Basement | 3,420 sqft |
| Fire Sprinklers | Fire Sprinklers |
| Elevator | Elevator |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Block |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 10,839 sqft (0.249 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 024684 |
|---|---|
| Street Address | 446 N MECHANIC ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-2213 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | B-L |
| Legal Description | 446 N MECHANIC ST 54X126 119X132 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 14, CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 1000 |
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 | PO BOX 118, CUMBERLAND, MD 21501-0118 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
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 | $668,200 (+86.49%) Land $43,300 Building $624,900 | $668,200 (+86.49%) Land $43,300 Building $624,900 | |
| 2025 | $5,177.00 (+55.33%) | ||
| 2023 | $3,333.00 | $358,300 Land $43,300 Building $315,000 | $358,300 Land $43,300 Building $315,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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.
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.
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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