543 Pine Ave, Cumberland, MD 21502 Property Records

Allegany County property record for 543 Pine Ave, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,088 sqft · built 1966
Lot Size	0.367 acres (16,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Jan 2023)
Tax Bill	$566 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`22-013025`

Property Details

APN / Parcel Number

Primary APN	`22-013025`
Alternative APN	`013025`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,088 sqft Total Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,000 sqft (0.367 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Deck Area	168 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	013025
Street Address	543 PINE AVE
City	CUMBERLAND
State	MD
Zip	21502-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	543 PINE AVE LOTS 353-354 80X200 EASTERN ADDN
Legal Subdivision	EASTERN ADD
Legal Lot Number	353,354
Jurisdiction	ALLEGANY MD
Township / Civil Division	22, CUMBERLAND
Census Block Group	1
Census Block	1020
Census Tract	500

Owner

Source: Allegany County records, as of October 1, 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	544 PINE AVE, CUMBERLAND, MD 21502-2524
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHESSIE FEDERAL CREDIT UNION
Jan 27, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2023 · Amount on Record
Deed Sale	Jan 27, 2023 · Amount on Record
Prior Sale	Sep 19, 2001 · Amount on Record
Deed Book / Page	2851 / 119
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Recording Date	Sep 16, 2026
Property Address	543 PINE AVE, CUMBERLAND, MD 21502-2523
Document Number	3194000327
Book / Page	3194 / 327
Instrument Date	Aug 31, 2026
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 PINE AVE, CUMBERLAND, MD 21502-2523

Mortgage

Document Number	3194000327,
Date	Sep 16, 2026
Book Page	3194/327

Lender

Name	CHESSIE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 4, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 27, 2023
Property Address	543 PINE AVE, CUMBERLAND, MD 21502-2523
Document Number	002851-0119
Book / Page	2851 / 119
Instrument Date	Jan 6, 2023
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount Recorded
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	544 PINE AVE, CUMBERLAND, MD 21502-2524

Tax Assessment & Valuation

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		$68,500 (+41.53%) Land $8,500 Building $60,000	$68,500 (+41.53%) Land $8,500 Building $60,000
2025	$566.00 (+25.78%)
2023	$450.00	$48,400 Land $8,500 Building $39,900	$48,400 Land $8,500 Building $39,900

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 · 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
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2008

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

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	None beyond 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 184 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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