528 N Centre St, Cumberland, MD 21502 Property Records

Allegany County property record for 528 N Centre St, Cumberland, MD 21502

Property Summary

Property Type	Townhouse
Details	1 ba · 1,446 sqft · built 1880
Lot Size	0.036 acres (1,578 sqft)
Owner	Company Name on File
Last Sale	$40,000 (Aug 2020)
Tax Bill	$424 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`05-001102`

Property Details

APN / Parcel Number

Primary APN	`05-001102`
Alternative APNs	`5001102` `001102`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,446 sqft Total Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	1,578 sqft (0.036 acres)
Porch	Slab
Porch Area	42 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	001102
Street Address	528 N CENTRE ST
City	CUMBERLAND
State	MD
Zip	21502-2145
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	Z-RC
Legal Description	528 N CENTRE ST INTR CRESCENT PL PT LT 15X100 5 BEALLS 1ST ADDN 17X100
Legal Subdivision	BEALLS 1ST ADD
Legal Lot Number	5
Jurisdiction	ALLEGANY MD
Township / Civil Division	14, CUMBERLAND
Census Block Group	2
Census Block	2011
Census Tract	1000

Owner

528 N Centre St, a townhouse, is owned by a company that bought it in August 2020.

Source: Allegany County records, as of October 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	16 GREEN ST, CAZENOVIA, NY 13035-1026
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Unknown DOLLAR BANK FSB
Aug 18, 2020	Grant Deed, Transfer STANDARD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020 · Amount on File
Deed Sale	Aug 18, 2020 · Amount on File
Prior Sale	Sep 12, 2006 · Amount on File
Deed Book / Page	2578 / 66
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	528 N CENTRE ST, CUMBERLAND, MD 21502-2145
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 GREEN ST, CAZENOVIA, NY 13035-1026

Mortgage

Document Number	003103-0122
Date	Oct 15, 2025
Book Page	3103/122

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Unknown
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Aug 18, 2020
Property Address	528 N CENTRE ST, CUMBERLAND, MD 21502-2145
Document Number	0025780066
Book / Page	002578 / 000066
Instrument Date	Jul 31, 2020
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6705 BARR RD BETHESDA MD 208161015, BETHESDA, MD 20816-1015

Mortgage

Document Number	25780089
Date	Aug 18, 2020
Book Page	002578/000089

Lender

Name	STANDARD BK
Type	Bank
Address	MONROEVILLE, PA 15146

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 528 N Centre St was $424.

Source: Allegany County assessment roll, as of October 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,100 Land $6,000 Building $44,100	$50,100 Land $6,000 Building $44,100
2025	$424.00
2023	$359.00	$38,600 Land $6,000 Building $32,600	$38,600 Land $6,000 Building $32,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 528 N Centre St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1989–1995)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1995 · river or lake flooding

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

Wildfire risk around 528 N Centre 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

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 721 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
Starlink Satellite	280 / 30
SkyPacket Fixed Wireless	100 / 20

May also be available: AT&T.

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