604 Frederick St, Cumberland, MD 21502 Property Records

Allegany County property record for 604 Frederick St, Cumberland, MD 21502

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	6,720 sqft · built 1966
Lot Size	0.324 acres (14,124 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (May 2021)
Tax Bill	$2,993 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-012901`

Property Details

APN / Parcel Number

Primary APN	`23-012901`
Alternative APN	`012901`

Interior

Units	8 Units
Stories	2 Stories
Building Area	6,720 sqft Total Area
1st Floor Area	6,720 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Lot Area	14,124 sqft (0.324 acres)
Lot Dimensions	107 ft deep x 132 ft wide
Deck Area	640 sqft
Patio Area	640 sqft

Utilities, Heating & Cooling

Cooling System	A/C Chilled Water
Heating System	Hot Water

Location & Zoning

Account Number	012901
Street Address	604 FREDERICK ST
City	CUMBERLAND
State	MD
Zip	21502-1797
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	R-L
Legal Description	604-608 FREDERICK ST LOTS 92 TO 95 132X107
Legal Subdivision	GEPHATS BEDFORD ROAD ADDITION
Legal Lot Number	92-95
Jurisdiction	ALLEGANY MD
Township / Civil Division	23, DECATUR
Census Block Group	1
Census Block	1013
Census Tract	2300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Decatur Heights Historic District listed 2005 · 342 contributing resources · NRIS 05001478

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

604 Frederick St, a residential property, is owned by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	249 LANDIS RD, HYNDMAN, PA 15545-7410
Owner Type	Individual
Vesting	Et Al (and Others)

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	2 Names on Deed
Last Sale	May 19, 2021 · Amount on File
Deed Sale	May 19, 2021 · Amount on File
Prior Sale	Apr 18, 1991 · Amount on File
Deed Book / Page	2660 / 401
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	May 19, 2021
Property Address	604 FREDERICK ST, CUMBERLAND, MD 21502-1797
Document Number	002660-0401
Book / Page	2660 / 401
Instrument Date	May 6, 2021
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	ALLEGHENY HIGHLANDS TITLE SETT, ALLEGHENY HIGHLANDS TTL & ST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	249 LANDIS RD, HYNDMAN, PA 15545-7410

Mortgage

Document Number	0002660407
Date	May 19, 2021
Instrument	2660/407

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 6, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 604 Frederick St was $2,993.

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		$371,200 Land $35,300 Building $335,900	$371,200 Land $35,300 Building $335,900
2025	$2,993.00
2023	$2,206.00	$237,200 Land $35,300 Building $201,900	$237,200 Land $35,300 Building $201,900

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

Flood

FEMA maps place 604 Frederick St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 604 Frederick St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.03% 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	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 600 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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