6 Timber Ridge Rd, Lavale (Cumberland), MD 21502 Property Records

Allegany County property record for 6 Timber Ridge Rd, Lavale, MD 21502

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,942 sqft · built 1998
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$319,777 (Oct 2020)
Tax Bill	$4,073 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-023328`

Property Details

APN / Parcel Number

Primary APN	`29-023328`
Alternative APN	`023328`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,942 sqft Total Area
Basement Area	1,288 sqft
Finished Basement	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	29,185 sqft (0.67 acres)

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	124 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	023328
Street Address	6 TIMBER RIDGE RD
City	CUMBERLAND
State	MD
Zip	21502-7797
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.672A E/S JOHNS LANE LOT 2 STEPHEN SCHOENADEL SUBD
Legal Subdivision	STEPHEN SCHOENADEL SUB
Legal Lot Number	2
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	1
Census Block	1000
Census Tract	1401

Owner

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	Individual Name on File
Mailing Address	6 TIMBER RIDGE RD, CUMBERLAND, MD 21502-7797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2020	Grant Deed, Transfer · FHA Mortgage HOMESPIRE MTG CORP
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES CMNTY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Prior Sale	Jul 20, 2016 · Amount on File
Deed Book / Page	2598 / 447
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 22, 2020
Property Address	6 TIMBER RIDGE RD, LAVALE, MD 21502-7797
Document Number	0025980447
Book / Page	002598 / 000447
Instrument Date	Sep 28, 2020
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,238.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	6 TIMBER RIDGE RD LAVALE MD 215027797, LAVALE, MD 21502-7797

Mortgage

Document Number	25980453
Date	Oct 22, 2020
Book Page	002598/000453

Lender

Name	HOMESPIRE MTG CORP
Address	GAITHERSBURG, MD 20878

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	6 TIMBER RIDGE RD, LAVALE, MD 21502-7797
Document Number	0025580326
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 TIMBER RIDGE RD LAVALE MD 215027797, LAVALE, MD 21502-7797

Mortgage

Document Number	0025580326
Date	Jun 4, 2020
Book Page	002558/000326

Lender

Name	FIRST PEOPLES CMNTY FCU
Type	Credit Union
Address	CRESAPTOWN, MD 21505

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 3, 2035

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		$352,233 (+10.94%)	$369,600 (+16.41%) Land $49,500 Building $320,100
2025	$4,073.00 (+18.02%) Homeowner's exemption
2023	$3,451.00 Homeowner's exemption	$317,500 Land $44,100 Building $273,400	$317,500 Land $44,100 Building $273,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · rainfall accumulation

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	0.02% 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: SkyPacket.

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