554 A St, Lavale (Cumberland), MD 21502 Property Records

Allegany County property record for 554 A St, Lavale, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,752 sqft · built 1938
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Feb 2026)
Tax Bill	$1,738 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-023751`

Property Details

APN / Parcel Number

Primary APN	`29-023751`
Alternative APN	`023751`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,752 sqft Total Area
1st Floor Area	888 sqft
Basement Area	156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Metal
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	250 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	023751
Street Address	554 A ST
City	CUMBERLAND
State	MD
Zip	21502-7022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	554 A ST LOT 77 50X250 NATL HWY ADDN
Legal Subdivision	NATL HWY ADD
Legal Lot Number	77
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	1
Census Block	1005
Census Tract	1402

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	Individual Name on Record
Mailing Address	554 A ST, CUMBERLAND, MD 21502-7022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHESSIE FCU
Feb 12, 2026	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Jul 24, 2009 · Amount on Record
Deed Book / Page	3134 / 436
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	554 A ST, LAVALE, MD 21502-7022
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 A ST, LAVALE, MD 21502-7022

Mortgage

Document Number	002810-0077
Date	Aug 22, 2022
Book Page	2810/77

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Feb 12, 2026
Property Address	554 A ST, LAVALE, MD 21502-7022
Document Number	003134-0436
Book / Page	3134 / 436
Instrument Date	Jan 22, 2026
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FRIENDS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 A ST, LAVALE, MD 21502-7022

Mortgage

Document Number	0003134442
Date	Feb 12, 2026
Instrument	3134/442

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

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		$159,800 (+8.41%)	$172,200 (-) Land $31,200 Building $141,000
2025	$1,738.00 (+23.26%)	$147,400 (+13.59%)	$172,200 (+27.56%) Land $31,200 Building $141,000
2023	$1,410.00 Homeowner's exemption	$129,767	$135,000 Land $27,500 Building $107,500

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
Flood Insurance Cost	Premium on Record 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

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.

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 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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