Allegany County property record for 515 Nemacolin Ave, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 5.5 ba · 3,349 sqft · built 1980 |
| Lot Size | 0.544 acres (23,707 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Aug 2025) |
| Tax Bill | $3,988 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-044700 |
| Primary APN | 06-044700 |
|---|---|
| Alternative APNs |
|
| Full Baths | 5.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,349 sqft Total Area |
| Basement Area | 1,600 sqft |
| Finished Basement | 1,600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 23,707 sqft (0.544 acres) |
| Garage Type | Basement |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 625 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 044700 |
|---|---|
| Street Address | 515 NEMACOLIN AVE |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-1912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 515 NEMACOLIN AVE LOT 13 SEC B 144X150 WOODLAND S/D 170X152 |
| Legal Subdivision | WOODLAND S/D |
| Legal Lot Number | 13 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 6, CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 1200 |
515 Nemacolin Ave is owned and occupied by two individuals who bought it in August 2025.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 515 NEMACOLIN AVE, CUMBERLAND, MD 21502-1912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2025 · Amount on File |
| Deed Sale | Aug 7, 2025 · Amount on File |
| Deed Book / Page | 3083 / 234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 515 NEMACOLIN AVE, CUMBERLAND, MD 21502-1912 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 515 NEMACOLIN AVE, CUMBERLAND, MD 21502-1912 |
| Document Number | 002907-0398 |
|---|---|
| Date | Sep 14, 2023 |
| Book Page | 2907/398 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 515 Nemacolin Ave was $3,988.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $468,900 Land $42,400 Building $426,500 | $468,900 Land $42,400 Building $426,500 | |
| 2025 | $3,988.00 | ||
| 2023 | $3,418.00 | $367,500 Land $45,700 Building $321,800 | $367,500 Land $45,700 Building $321,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 Nemacolin Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2017 · other causes |
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 risk around 515 Nemacolin Ave is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 86 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 |
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