605 N Second St, Lavale (Cumberland), MD 21502 Property Records

Allegany County property record for 605 N Second St, Lavale, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,134 sqft · built 1942
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Dec 2022)
Tax Bill	$1,953 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-009953`

Property Details

APN / Parcel Number

Primary APN	`29-009953`
Alternative APN	`009953`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,134 sqft Total Area
Basement Area	288 sqft
Finished Basement	288 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Other
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	348 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	391 sqft
Deck Area	300 sqft
Patio Area	131 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	009953
Street Address	605 N SECOND ST
City	CUMBERLAND
State	MD
Zip	21502-7234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	605 N SECOND ST LOT 38 50X100
Legal Subdivision	LONGS NATIONAL HWY 02 AD
Legal Lot Number	38
Jurisdiction	ALLEGANY MD
Township / Civil Division	29, LA VALE
Census Block Group	2
Census Block	2019
Census Tract	1401

Owner

Source: Allegany County records, as of October 9, 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	605 N SECOND ST, CUMBERLAND, MD 21502-7234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2022 · Amount on Record
Deed Sale	Dec 14, 2022 · Amount on Record
Prior Sale	Jan 30, 2009 · Amount on Record
Deed Book / Page	2839 / 461
Record Updated	Oct 29, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 14, 2022
Property Address	605 N SECOND ST, LAVALE, MD 21502-7234
Document Number	002839-0461
Book / Page	2839 / 461
Map Reference	PL 97
Instrument Date	Nov 21, 2022
Transaction Type	Transfer
Record Updated	Dec 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	605 N SECOND ST, LAVALE, MD 21502-7234

Mortgage

Document Number	0028390468
Date	Dec 14, 2022
Instrument	2839-0468

Lender

Name	CHESSIE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2037

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		$184,233 (+26.65%)	$197,900 (+26.13%) Land $15,000 Building $182,900
2025	$1,953.00 (+23.53%) Homeowner's exemption
2023	$1,581.00	$145,467	$156,900 Land $15,000 Building $141,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	11 (1984–2004)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Sep 2004 · rainfall accumulation
Claims by Event	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 3 claims Severe Storms And Flooding, Jan 1996 · 2 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 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