502 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 502 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,376 sqft · built 1925
Lot Size	0.184 acres (8,025 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Jun 2024)
Tax Bill	$1,132 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23-013576`

Property Details

APN / Parcel Number

Primary APN	`23-013576`
Alternative APN	`013576`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,376 sqft Total Area
Basement Area	168 sqft
Unfinished Basement	168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	8,025 sqft (0.184 acres)
Lot Dimensions	107 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	544 sqft
Carport	Carport
Carport Area	544 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	013576
Street Address	502 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	502 FREDERICK ST LOTS 102-103 75X107 PT 101
Legal Subdivision	FREDERICK STREET
Legal Lot Number	102,103
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	1
Census Block	1019
Census Tract	2300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Decatur Heights Historic District listed 2005 · 342 contributing resources · NRIS 05001478

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

502 Frederick St is owned and occupied by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	502 FREDERICK ST, CUMBERLAND, MD 21502-1732
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
Aug 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU
Jun 6, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2024 · Amount on File
Deed Sale	Jun 26, 2024 · Amount on File
Prior Sale	Sep 17, 1990 · Amount on File
Deed Book / Page	2978 / 431
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	502 FREDERICK ST, CUMBERLAND, MD 21502-1732
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 FREDERICK ST, CUMBERLAND, MD 21502-1732

Mortgage

Document Number	002810-0125
Date	Aug 23, 2022
Book Page	2810/125

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21505

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 22, 2047

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGANY MD
Recording Date	Jun 6, 2022
Property Address	502 FREDERICK ST, CUMBERLAND, MD 21502-1732
Document Number	002788-0110
Book / Page	2788 / 110
Instrument Date	May 25, 2022
Transaction Type	Transfer
Record Updated	Jun 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	502 FREDERICK ST, CUMBERLAND, MD 21502-1732

Tax Assessment & Valuation

The 2025 property tax bill for 502 Frederick St was $1,132.

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		$134,200 Land $11,000 Building $123,200	$134,200 Land $11,000 Building $123,200
2025	$1,132.00
2023	$949.00 Homeowner's exemption	$102,200 Land $11,000 Building $91,200	$102,200 Land $11,000 Building $91,200

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

Flood

FEMA maps place 502 Frederick St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 502 Frederick St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.03% 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 600 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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