461 Columbia St, Cumberland, MD 21502 Property Records

Allegany County property record for 461 Columbia St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,704 sqft · built 1900
Lot Size	0.094 acres (4,097 sqft)
Owner	Individual Name on File
Last Sale	$22,000 (Nov 2020)
Tax Bill	$384 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-023335`

Property Details

APN / Parcel Number

Primary APN	`05-023335`
Alternative APNs	`5023335` `023335`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,704 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,097 sqft (0.094 acres)

Exterior Amenities

Porch	Slab
Porch Area	312 sqft
Deck Area	156 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	023335
Street Address	461 COLUMBIA ST
City	CUMBERLAND
State	MD
Zip	21502-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	461 COLUMBIA ST PT LOT 46 34X123 GEPHART ADDN 34X119
Legal Subdivision	GEPHART ADD
Legal Lot Number	46
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	1
Census Block	1049
Census Tract	1000

Owner

461 Columbia St is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	461 COLUMBIA ST, CUMBERLAND, MD 21502-1644
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage MANUFACTURERS & TRADERS TRUST CO
Nov 18, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2020 · Amount on File
Deed Sale	Nov 18, 2020 · Amount on File
Prior Sale	Oct 29, 1992 · Amount on File
Deed Book / Page	2607 / 177
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	461 COLUMBIA ST, CUMBERLAND, MD 21502-1644
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 COLUMBIA ST, CUMBERLAND, MD 21502-1644

Mortgage

Document Number	003137-0006
Date	Feb 20, 2026
Book Page	3137/6

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	461 COLUMBIA ST, CUMBERLAND, MD 21502-1644
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002804-0445
Date	Jul 28, 2022
Book Page	2804/445

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Nov 18, 2020
Property Address	461 COLUMBIA ST, CUMBERLAND, MD 21502-1644
Document Number	0026070177
Book / Page	002607 / 000177
Instrument Date	Nov 13, 2020
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$154.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 COLUMBIA ST CUMBERLAND MD 215021644, CUMBERLAND, MD 21502-1644

Tax Assessment & Valuation

The 2025 property tax bill for 461 Columbia St was $384.

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		$45,500 (+8.68%) Land $3,600 Building $41,900	$45,500 (-) Land $3,600 Building $41,900
2025	$384.00	$41,867	$45,500 Land $3,600 Building $41,900
2023	$321.00	$34,600 Land $3,600 Building $31,000	$34,600 Land $3,600 Building $31,000

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

Flood

FEMA maps place 461 Columbia St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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

Wildfire risk around 461 Columbia St is low, with a 0.02% 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	0.02% 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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