446 Walnut St, Cumberland, MD 21502 Property Records

Allegany County property record for 446 Walnut St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,368 sqft · built 1939
Lot Size	0.109 acres (4,760 sqft)
Owner	Individual Name on Record
Last Sale	$72,100 (Jan 2021)
Tax Bill	$631 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-010926`

Property Details

APN / Parcel Number

Primary APN	`05-010926`
Alternative APNs	`5010926` `010926`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,368 sqft Total Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	4,760 sqft (0.109 acres)
Porch	Slab
Porch Area	174 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	010926
Street Address	446 WALNUT ST
City	CUMBERLAND
State	MD
Zip	21502-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	446 WALNUT ST GEPHART 2ND ADDN 28X173 24X174
Legal Subdivision	GEPHART 2ND ADD
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	1
Census Block	1048
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	Individual Name on Record
Mailing Address	446 WALNUT ST, CUMBERLAND, MD 21502-1616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Oct 24, 2013 · Amount on Record
Deed Book / Page	2624 / 321
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 14, 2021
Property Address	446 WALNUT ST, CUMBERLAND, MD 21502-1616
Document Number	0026240321
Book / Page	002624 / 000321
Instrument Date	Dec 29, 2020
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$505.00
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	446 WALNUT ST APEX NC 27502, APEX, NC 27502

Mortgage

Document Number	26240327
Date	Jan 14, 2021
Book Page	002624/000327

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2051

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		$71,400 (+11.74%) Land $4,200 Building $67,200	$71,400 (+11.74%) Land $4,200 Building $67,200
2025	$631.00 (+6.23%)
2023	$594.00	$63,900 Land $4,200 Building $59,700	$63,900 Land $4,200 Building $59,700

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 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

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.

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.

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