4805 Cumberland Ave, Chevy Chase, MD 20815 Property Records

Montgomery County property record for 4805 Cumberland Ave, Chevy Chase, MD 20815

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,785 sqft · built 1922
Lot Size	0.239 acres (10,425 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,950,000 (May 2024)
Tax Bill	$24,350 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-00535645`

Property Details

APN / Parcel Number

Primary APN	`07-00535645`
Alternative APN	`00535645`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,785 sqft Living Area
1st Floor Area	1,535 sqft
Basement Area	964 sqft
Finished Basement	964 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,425 sqft (0.239 acres)
Garage Type	Detached
Garage Area	180 sqft
Porch	Open Porch
Porch Area	453 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	00535645
Street Address	4805 CUMBERLAND AVE
City	CHEVY CHASE
State	MD
Zip	20815-5455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	SOMERSET HGTS
Legal Subdivision	SOMERSET HEIGHTS
Legal Block	1
Legal Lot Number	P13
Jurisdiction	MONTGOMERY MD
Township / Civil Division	7
Census Block Group	1
Census Block	1020
Census Tract	705502

Owner

Source: Montgomery County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4805 CUMBERLAND AVE, CHEVY CHASE, MD 20815-5455
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 10, 2024	Deed, Transfer · Conventional Mortgage BANK-FUND STAFF FCU
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on Record
Deed Sale	May 10, 2024 · Amount on Record
Prior Sale	Jul 24, 1998 · Amount on Record
Deed Book / Page	67985 / 280
Record Updated	Sep 20, 2026

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 10, 2024
Property Address	4805 CUMBERLAND AVE, CHEVY CHASE, MD 20815-5455
Document Number	0679850280
Book / Page	67985 / 280
Map Reference	MB 1 PL 30
Instrument Date	May 2, 2024
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,750.00
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 by the Entirety
Address	4805 CUMBERLAND AVE, CHEVY CHASE, MD 20815-5455

Mortgage

Document Number	0067985296
Date	May 10, 2024
Instrument	67985/296

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	8%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	4805 CUMBERLAND AVE, CHEVY CHASE, MD 20815-5455
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0580160352
Date	Aug 14, 2019
Book Page	58016/352

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jun 30, 2039

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Municipality	Somerset Town
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,496,333 (+29.52%)	$2,950,000 (+13.27%) Land $1,071,400 Building $1,878,600
2025	$24,350.00 (+52.91%)	$1,927,433 (+30.39%)	$2,604,300 (+63.9%) Land $1,071,400 Building $1,532,900
2023		$1,478,200	$1,589,000 Land $1,020,300 Building $568,700
2022	$15,924.00

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 April 12, 2026 · 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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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	WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people · EPA ID MD0150005
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2018–2020) 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 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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