5 Bane St, Cumberland, MD 21502 Property Records

Allegany County property record for 5 Bane St, Cumberland, MD 21502 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,176 sqft · built 1995
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Aug 2021)
Tax Bill	$1,931 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-002207`

Property Details

APN / Parcel Number

Primary APN	`29-002207`
Alternative APN	`002207`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,176 sqft Total Area
Basement Area	616 sqft
Finished Basement	616 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Mixed
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	133 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	002207
Street Address	5 BANE ST
City	CUMBERLAND
State	MD
Zip	21502-7405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.30A E/S BANE ST 94X149 IRREG 82X136
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	2
Census Block	2013
Census Tract	1401

Owner

Source: Allegany County records · APN 29-002207

Assessment roll updated July 31, 2025 · Last verified August 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 File
Mailing Address	5 BANE ST, CUMBERLAND, MD 21502-7405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC
Aug 18, 2017	Grant Deed, Transfer · VA Mortgage ALCOVA MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 27, 2021 · Amount on Record
Deed Sale	Aug 27, 2021 · Amount on Record
Prior Sale	Aug 18, 2017 · Amount on Record
Deed Book / Page	2695 / 373
Prior Transfer Date	Jul 08, 2016
Prior Transfer Doc	0022390375
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Aug 27, 2021
Property Address	5 BANE ST, LAVALE, MD 21502-7405
Document Number	002695-0373
Book / Page	2695 / 373
Instrument Date	Aug 11, 2021
Transaction Type	Transfer
Record Updated	May 02, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BANE ST, CUMBERLAND, MD 21502-7405

Mortgage

Document Number	0002695380
Date	Aug 27, 2021
Instrument	2695/380

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Aug 18, 2017
Property Address	5 BANE ST, LAVALE, MD 21502-7405
Document Number	0023200293
Book / Page	002320 / 000293
Instrument Date	Aug 16, 2017
Transaction Type	Transfer
Record Updated	Oct 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$742.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BANE ST LAVALE MD 215027405, LAVALE, MD 21502-7405

Mortgage

Document Number	23200301
Date	Aug 18, 2017
Book Page	002320/000301

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2047

Tax Assessment & Valuation

Source: Allegany County records · Assessment roll updated July 31, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,833 (+6.83%)	$192,400 (-) Land $33,900 Building $158,500
2025	$1,931.00 (+23.62%) Homeowner's exemption	$169,267 (+17.74%)	$192,400 (+22%) Land $33,900 Building $158,500
2023	$1,562.00	$143,767	$157,700 Land $30,000 Building $127,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allegany County (24001C), updated November 12, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240010014012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	9 in force
Nearby Flood Claims	11 (1984–2004)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Sep 2004, rainfall accumulation
Claims By Storm	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 3 claims Severe Storms And Flooding, Jan 1996 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 171 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cogeco Cable Holdings II	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Skypacket Networks	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Skypacket Networks. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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