548 Braddock Ave, Cumberland, MD 21502 Property Records

Allegany County property record for 548 Braddock Ave, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 780 sqft · built 1945
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (May 2026)
Tax Bill	$851 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-028567`

Property Details

APN / Parcel Number

Primary APN	`29-028567`
Alternative APN	`028567`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	780 sqft Total Area
Basement Area	250 sqft
Finished Basement	250 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	4,000 sqft (0.092 acres)
Porch	Slab
Porch Area	104 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	028567
Street Address	548 BRADDOCK AVE
City	CUMBERLAND
State	MD
Zip	21502-7209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	548 BRADDOCK AVE PT LT 5 BURKHARD 20X140 ADDN 4000 SQ FT 20X140
Legal Subdivision	JAMES H BURKHARTS ADDN
Legal Lot Number	5
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	1
Census Block	1012
Census Tract	1402

Owner

548 Braddock Ave is owned and occupied by an individual who bought it in May 2026.

Source: Allegany County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	548 BRADDOCK AVE, CUMBERLAND, MD 21502-7209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on File
Deed Sale	May 14, 2026 · Amount on File
Prior Sale	Sep 15, 1994 · Amount on File
Deed Book / Page	3160 / 217
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	May 14, 2026
Property Address	548 BRADDOCK AVE, CUMBERLAND, MD 21502-7209
Document Number	3160000217
Book / Page	3160 / 217
Instrument Date	Apr 30, 2026
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	548 BRADDOCK AVE, CUMBERLAND, MD 21502-7209

Mortgage

Document Number	3160000224,
Date	May 14, 2026
Book Page	3160/224

Lender

Name	FIRST OH COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 548 Braddock Ave was $851.

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$75,100 (+8.68%)	$81,100 (-) Land $15,000 Building $66,100
2025	$851.00	$69,100	$81,100 Land $15,000 Building $66,100
2023	$669.00 Homeowner's exemption	$61,633	$63,100 Land $15,000 Building $48,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 548 Braddock Ave 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	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 4 claims Severe Storms And Flooding, Jan 1996 · 18 claims

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 548 Braddock 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.

Drinking Water

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

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 318 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