Allegany County property record for 520 A St, Lavale, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,590 sqft · built 1923 |
| Lot Size | 0.136 acres (5,937 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $83,500 (Oct 2005) |
| Tax Bill | $1,080 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-044651 |
| Primary APN | 29-044651 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,590 sqft Total Area |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Built-Up Asphalt |
| Lot Area | 5,937 sqft (0.136 acres) |
| Lot Dimensions | 119 ft deep x 50 ft wide |
| Garage Type | Basement |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 366 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 044651 |
|---|---|
| Street Address | 520 A ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-7022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 520 A ST PT LT 66 50X119 NATL HWY ADDN 5937 SQ FT |
| Legal Subdivision | NATL HWY ADD |
| Legal Lot Number | 66 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 29, LA VALE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 1402 |
520 A St is owned and occupied by two individuals who bought it in October 2005.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 A ST, CUMBERLAND, MD 21502-7022 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2005 · Amount on File |
| Deed Sale | Oct 20, 2005 · Amount on File |
| Deed Document Number | 200552237 |
| Deed Book / Page | 1200 / 248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | May 12, 2026 |
| Property Address | 520 A ST, CUMBERLAND, MD 21502-7022 |
| Document Number | 3159000399 |
| Book / Page | 3159 / 399 |
| Instrument Date | Apr 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 520 CUMBERLAND ST, CUMBERLAND, MD 21502-2012 |
| Document Number | 3159000399, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 3159/399 |
| Name | FIRST UNITED BANK AND TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 520 A St was $1,080 with a homeowner's exemption.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,800 (+6.79%) | $110,400 (-) Land $15,000 Building $95,400 | |
| 2025 | $1,080.00 Homeowner's exemption | $97,200 | $110,400 Land $15,000 Building $95,400 |
| 2023 | $876.00 Homeowner's exemption | $85,100 | $90,600 Land $15,000 Building $75,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 A St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 40 (1979–2025) |
| Claims Outside the SFHA | 10 of 40 |
| Most Recent Claim | May 2025 · river or lake flooding |
| Claims by Event |
|
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 520 A St 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 | LAVALE SANITARY COMMISSION serves 5,500 people · EPA ID MD0010016 |
|---|---|
| Water Source | Purchased surface water from CITY OF CUMBERLAND |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2020–2022) 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 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| SkyPacket Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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