511 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 511 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,620 sqft · built 1925
Lot Size	0.079 acres (3,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Sep 2019)
Tax Bill	$784 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-002914`

Property Details

APN / Parcel Number

Primary APN	`23-002914`
Alternative APN	`002914`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,620 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,450 sqft (0.079 acres)
Lot Dimensions	115 ft deep x 30 ft wide
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	002914
Street Address	511 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	511 FREDERICK ST PT LOT 122 30X115 GEPHARTS
Legal Subdivision	6GEPHART S BEDFORD ROAD ADDITION
Legal Lot Number	122
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	1
Census Block	1020
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

Source: Allegany County records, as of August 18, 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	511 FREDERICK ST, CUMBERLAND, MD 21502-1731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed of Trust, Mortgage · Commercial Mortgage CHESSIE FCU
Sep 12, 2019	Grant Deed, Transfer CHESSIE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on Record
Deed Sale	Sep 12, 2019 · Amount on Record
Deed Book / Page	2495 / 364
Last Transfer Date	Oct 24, 2024
Transfer Doc	003018-0426
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	511 FREDERICK ST, CUMBERLAND, MD 21502-1731
Transaction Type	Mortgage
Record Updated	Dec 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	718 BEDFORD ST, CUMBERLAND, MD 21502-1711

Mortgage

Document Number	002839-0161
Date	Dec 12, 2022
Book Page	2839/161

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 12, 2019
Property Address	511 FREDERICK ST, CUMBERLAND, MD 21502-1731
Document Number	0024950364
Book / Page	002495 / 000364
Instrument Date	Sep 4, 2019
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	718 BEDFORD ST CUMBERLAND MD 215021711, CUMBERLAND, MD 21502-1711

Mortgage

Document Number	24950369
Date	Sep 12, 2019
Book Page	002495/000369

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 11, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of July 31, 2025

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		$101,600 (+10.88%) Land $6,000 Building $95,600	$101,600 (-) Land $6,000 Building $95,600
2025	$784.00 (+17.54%) Homeowner's exemption	$91,633 (+27.8%)	$101,600 (+41.7%) Land $6,000 Building $95,600
2023	$667.00	$71,700 Land $6,000 Building $65,700	$71,700 Land $6,000 Building $65,700

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 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

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	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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