614 E Oldtown Rd, Cumberland, MD 21502 Property Records

Allegany County property record for 614 E Oldtown Rd, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,174 sqft · built 1928
Lot Size	0.133 acres (5,772 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jun 2023)
Tax Bill	$1,070 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-020987`

Property Details

APN / Parcel Number

Primary APN	`04-020987`
Alternative APNs	`4020987` `020987`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,174 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	5,772 sqft (0.133 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	020987
Street Address	614 E OLDTOWN RD
City	CUMBERLAND
State	MD
Zip	21502-3749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	614 OLDTOWN RD PT LOTS 50-51 BLK 19 60X93 60X99
Legal Subdivision	CUMBERLAND HEIGHTS ADD CUMBERL
Legal Block	19
Legal Lot Number	50,51
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	1
Census Block	1059
Census Tract	600

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 Record
Mailing Address	614 E OLDTOWN RD, CUMBERLAND, MD 21502-3749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · FHA Mortgage DIRECT MORTGAGE LOANS LLC
Sep 22, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Jun 16, 2023	Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC
Apr 26, 2022	Deed, Transfer NOT AVAILABLE, ATTICUS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Apr 26, 2022 · Amount on Record
Deed Book / Page	2887 / 177
Prior Transfer Date	Jun 5, 2012
Prior Transfer Doc	0018790570
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	614 E OLDTOWN RD, CUMBERLAND, MD 21502-3749
Transaction Type	Mortgage
Record Updated	Oct 18, 2023
Title Company	NOT AVAILABLE, ELEVATED SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002909-0198
Date	Sep 22, 2023
Book Page	2909/198

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2053

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	614 E OLDTOWN RD, CUMBERLAND, MD 21502-3749
Transaction Type	Mortgage
Record Updated	Oct 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002909-0217
Date	Sep 22, 2023
Book Page	2909/217

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 16, 2023
Property Address	614 E OLDTOWN RD, CUMBERLAND, MD 21502-3749
Document Number	002887-0177
Book / Page	2887 / 177
Instrument Date	Jun 12, 2023
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	ELEVATED SETTLEMENTS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7305 MAYHILL DR, GAITHERSBURG, MD 20879-4553
Investor	Possibly a Property Investor

Mortgage

Document Number	0028870184
Date	Jun 16, 2023
Instrument	2887-0184

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	002887-0199
Date	Jun 16, 2023
Book Page	2887/199

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Apr 26, 2022
Property Address	614 E OLDTOWN RD, CUMBERLAND, MD 21502-3749
Document Number	002776-0122
Book / Page	2776 / 122
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	NOT AVAILABLE, ATTICUS TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty

Tax Assessment & Valuation

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		$143,500 (+22.96%) Land $11,500 Building $132,000	$143,500 (-) Land $11,500 Building $132,000
2025	$1,070.00 (+82.28%)	$116,700 (+84.94%)	$143,500 (+127.42%) Land $11,500 Building $132,000
2023	$587.00	$63,100 (+2.77%) Land $11,500 Building $51,600	$63,100 (-) Land $11,500 Building $51,600
2022		$61,400	$63,100 Land $11,500 Building $51,600

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

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	2 (1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 1996 · Severe Storms And Flooding Assoc With Tropical Storm Fran

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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 566 locations within half a mile, as of December 31, 2025

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

May also be available: Crowsnest Broadband, T-Mobile.

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