45 E Roberts St, Cumberland, MD 21502 Property Records

Allegany County property record for 45 E Roberts St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,025 sqft · built 1937
Lot Size	0.369 acres (16,080 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Apr 2019)
Tax Bill	$1,225 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-047052`

Property Details

APN / Parcel Number

Primary APN	`04-047052`
Alternative APNs	`4047052` `047052`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,025 sqft Total Area
Basement Area	440 sqft
Finished Basement	440 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,080 sqft (0.369 acres)
Garage Type	Mixed
Garage Area	2,600 sqft
Parking Spaces	10 Parking Spaces
Porch	Slab
Porch Area	184 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	047052
Street Address	45 E ROBERTS ST
City	CUMBERLAND
State	MD
Zip	21502-4737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16080 SF 45 ROBERTS ST LOTS 685- 686-687-688 CUMB PK ADDN
Legal Subdivision	HUMBIRD LAND AND IMPROVEMENT COMPANY
Legal Lot Number	685-688
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	1
Census Block	1018
Census Tract	800

Owner

45 E Roberts St is owned and occupied by an individual who bought it in April 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	45 E ROBERTS ST, CUMBERLAND, MD 21502-4737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2019 · Amount on File
Deed Sale	Apr 25, 2019 · Amount on File
Prior Sale	Mar 8, 2007 · Amount on File
Deed Book / Page	2461 / 174
Record Updated	Oct 29, 2026

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Apr 25, 2019
Property Address	45 E ROBERTS ST, CUMBERLAND, MD 21502-4737
Document Number	0024610174
Book / Page	002461 / 000174
Instrument Date	Apr 24, 2019
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
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	45 E ROBERTS ST CUMBERLAND MD 215024737, CUMBERLAND, MD 21502-4737

Mortgage

Document Number	24610179
Date	Apr 25, 2019
Book Page	002461/000179

Lender

Name	GUARANTY HM MTG CORP
Address	MURFREESBORO, TN 37129

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 45 E Roberts St was $1,225.

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		$145,700 Land $14,500 Building $131,200	$145,700 Land $14,500 Building $131,200
2025	$1,225.00
2023	$1,020.00	$109,700 Land $14,500 Building $95,200	$109,700 Land $14,500 Building $95,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 E Roberts St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1985.

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
Nearby Flood Claims	4 (1985–1996)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jan 1996 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 1996 · 3 claims

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

Wildfire risk around 45 E Roberts St is low, with a 0.01% annual chance of 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
SkyPacket Fixed Wireless	100 / 20