449 Dirk St, Cumberland, MD 21502 Property Records

Allegany County property record for 449 Dirk St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,040 sqft · built 1958
Lot Size	0.14 acres (6,117 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Oct 2025)
Tax Bill	$1,008 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-009656`

Property Details

APN / Parcel Number

Primary APN	`22-009656`
Alternative APN	`009656`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Total Area
Basement Area	520 sqft
Finished Basement	520 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	6,117 sqft (0.14 acres)

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	009656
Street Address	449 DIRK ST
City	CUMBERLAND
State	MD
Zip	21502-2508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6,117 SF PT LT 500-01-02 50 X 1 EASTERN ADDN 50 X 1
Legal Subdivision	EASTERN ADD
Legal Lot Number	2
Jurisdiction	ALLEGANY MD
Township / Civil Division	22, CUMBERLAND
Census Block Group	2
Census Block	2025
Census Tract	500

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	449 DIRK ST, CUMBERLAND, MD 21502-2508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Unknown FIRST UNITED BANK & TRUST CO
Oct 31, 2025	Deed, Transfer · Conventional Mortgage CHESSIE FCU
Nov 23, 2018	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	May 4, 1987 · Amount on Record
Deed Book / Page	3108 / 189
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	449 DIRK ST, CUMBERLAND, MD 21502-2508
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 DIRK ST, CUMBERLAND, MD 21502-2508

Mortgage

Document Number	002847-0279
Date	Jan 11, 2023
Book Page	2847/279

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	CUMBERLAND, MD 21502

Agreement

Type	Unknown
Amount	Amount Recorded

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 31, 2025
Property Address	449 DIRK ST, CUMBERLAND, MD 21502-2508
Document Number	003108-0189
Book / Page	3108 / 189
Map Reference	LB 117 FO 731
Instrument Date	Oct 6, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
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	449 DIRK ST, CUMBERLAND, MD 21502-2508

Mortgage

Document Number	0003108195
Date	Oct 31, 2025
Instrument	3108/195

Lender

Name	CHESSIE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year CMT
Margin	3
Max Rate	10.6%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	449 DIRK ST, CUMBERLAND, MD 21502-2508
Document Number	0024310216
Instrument Date	Nov 23, 2018
Transaction Type	Mortgage
Record Updated	Dec 27, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 DIRK ST CUMBERLAND MD 215022508, CUMBERLAND, MD 21502-2508

Mortgage

Document Number	0024310216
Date	Dec 6, 2018
Book Page	002431/000216

Lender

Name	FIRST UNITED BK
Type	Bank
Address	CUMBERLAND, MD 21502

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$123,100 (+11.94%) Land $10,600 Building $112,500	$123,100 (+3.36%) Land $10,600 Building $112,500
2025	$1,008.00 (+18.17%)	$109,967 (+19.92%)	$119,100 (+29.88%) Land $6,600 Building $112,500
2023	$853.00	$91,700 Land $6,600 Building $85,100	$91,700 Land $6,600 Building $85,100

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 Policies	3 in force

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	Direct burnable vegetation

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 184 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
SkyPacket Fixed Wireless	100 / 20

May also be available: Crowsnest Broadband.

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