448 Walnut St, Cumberland, MD 21502 Property Records

Allegany County property record for 448 Walnut St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,416 sqft · built 1943
Lot Size	0.098 acres (4,250 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Dec 2023)
Tax Bill	$872 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-004012`

Property Details

APN / Parcel Number

Primary APN	`05-004012`
Alternative APNs	`5004012` `004012`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,416 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	4,250 sqft (0.098 acres)
Lot Dimensions	170 ft deep x 25 ft wide
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	141 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	004012
Street Address	448 WALNUT ST
City	CUMBERLAND
State	MD
Zip	21502-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	448 WALNUT ST LOT 2 25X170 GEPHARTS 2ND
Legal Subdivision	FLORENCE I MARTZ PROP
Legal Lot Number	2
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	448 WALNUT ST, CUMBERLAND, MD 21502-1616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2023	Deed, Transfer · FHA Mortgage C&F MORTGAGE CORP
Jul 6, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2023 · Amount on Record
Deed Sale	Dec 19, 2023 · Amount on Record
Prior Sale	Feb 11, 2015 · Amount on Record
Deed Book / Page	2930 / 129
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 19, 2023
Property Address	448 WALNUT ST, CUMBERLAND, MD 21502-1616
Document Number	002930-0129
Book / Page	2930 / 129
Instrument Date	Nov 15, 2023
Transaction Type	Transfer
Record Updated	Jan 1, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	448 WALNUT ST, CUMBERLAND, MD 21502-1616

Mortgage

Document Number	0029300136
Date	Dec 19, 2023
Instrument	2930-0136

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	448 WALNUT ST, CUMBERLAND, MD 21502-1616
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 WALNUT ST, CUMBERLAND, MD 21502-1616

Mortgage

Document Number	002800-0424
Date	Jul 6, 2022
Book Page	2800/424

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$104,500 (+36.78%) Land $3,800 Building $100,700	$104,500 (+36.78%) Land $3,800 Building $100,700
2025	$872.00 (+22.82%)
2023	$710.00 Homeowner's exemption	$76,400 Land $3,800 Building $72,600	$76,400 Land $3,800 Building $72,600

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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