503 Franklin St, Cumberland, MD 21502 Property Records

Allegany County property record for 503 Franklin St, Cumberland, MD 21502

Property Summary

Property Type	Townhouse
Details	2 ba · 2,040 sqft · built 1926
Lot Size	0.084 acres (3,675 sqft)
Owner	Company Name on File
Last Sale	$60,000 (Oct 2021)
Tax Bill	$749 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-023602`

Property Details

APN / Parcel Number

Primary APN	`05-023602`
Alternative APNs	`5023602` `023602`

Interior

Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,040 sqft Total Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	3,675 sqft (0.084 acres)
Lot Dimensions	105 ft deep x 35 ft wide
Porch	Slab
Porch Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	023602
Street Address	503 FRANKLIN ST
City	CUMBERLAND
State	MD
Zip	21502-1525
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	503-505 FRANKLIN ST PT LOTS 6-7 SEC K 35X105 NORTHERN
Legal Subdivision	CUMVERLAND IMPROVEMENT
Legal Lot Number	6,7
Jurisdiction	ALLEGANY MD
Township / Civil Division	5, WILLS CREEK
Census Block Group	1
Census Block	1010
Census Tract	1000

Owner

Source: Allegany County records · APN 05-023602

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	Company Name on File
Mailing Address	725 PARK ST, 283, CUMBERLAND, MD 21502-3172
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Prior Sale	Jul 10, 2020 · Amount on Record
Deed Book / Page	2714 / 428
Prior Transfer Date	Jun 15, 2020
Prior Transfer Doc	002568-0452
Record Updated	Sep 20, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 21, 2021
Property Address	503 FRANKLIN ST, CUMBERLAND, MD 21502-1525
Document Number	002714-0428
Book / Page	2714 / 428
Map Reference	LB 214 FO 423
Instrument Date	Sep 22, 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	725 PARK ST # 283, 283, CUMBERLAND, MD 21502-3172

Mortgage

Document Number	0002714433
Date	Oct 21, 2021
Instrument	2714/433

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
Municipality	Cumberland City
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		$89,300 (+9.21%) Land $7,500 Building $81,800	$89,300 (-) Land $7,500 Building $81,800
2025	$749.00 (+20.81%)	$81,767 (+22.59%)	$89,300 (+33.88%) Land $7,500 Building $81,800
2023	$620.00	$66,700 Land $7,500 Building $59,200	$66,700 Land $7,500 Building $59,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 12, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Skypacket Networks Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 721 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF CUMBERLAND serves 27,039 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.