Allegany County property record for 528 Mill St, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 960 sqft · built 1915 |
| Lot Size | 0.185 acres (8,060 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $12,500 (Mar 1986) |
| Tax Bill | $698 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 29-004625 |
| Primary APN | 29-004625 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 960 sqft Total Area |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 8,060 sqft (0.185 acres) |
| Porch | Slab |
| Porch Area | 200 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 004625 |
|---|---|
| Street Address | 528 MILL ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-7036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 8060 SF 528 MILL ST LTS 23-24-25 & RR OF LTS |
| Legal Lot Number | 23-25 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 29, LA VALE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 1402 |
528 Mill St is owned and occupied by two individuals who acquired it in October 2010.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 528 MILL ST, CUMBERLAND, MD 21502-7036 |
| 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 | Mar 5, 1986 · Amount on File |
| Deed Sale | Mar 5, 1986 · Amount on File |
| Deed Book / Page | 554 / 967 |
| Last Transfer Date | Oct 12, 2010 |
| Transfer Doc | 001728-0399 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 528 Mill St was $698 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 | $62,033 (+6.65%) | $65,900 (-) Land $20,900 Building $45,000 | |
| 2025 | $698.00 Homeowner's exemption | $58,167 | $65,900 Land $20,900 Building $45,000 |
| 2023 | $582.00 Homeowner's exemption | $53,600 | $54,300 Land $18,500 Building $35,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 528 Mill St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 528 Mill 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 | Direct burnable vegetation |
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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