640 Baker St, Cumberland, MD 21502 Property Records

Allegany County property record for 640 Baker St, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,080 sqft · built 1920
Lot Size	0.045 acres (1,976 sqft)
Owner	2 Individual Names on Record
Last Sale	$92,500 (Sep 2026)
Tax Bill	$50 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-010825`

Property Details

APN / Parcel Number

Primary APN	`04-010825`
Alternative APNs	`4010825` `010825`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,080 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Other
Lot Area	1,976 sqft (0.045 acres)
Lot Dimensions	38 ft deep x 52 ft wide
Porch	Slab
Porch Area	330 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	010825
Street Address	640 BAKER ST
City	CUMBERLAND
State	MD
Zip	21502-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	640 BAKER ST HALEYS ADDN 52X38 52
Legal Subdivision	HALEYS ADD
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	2
Census Block	2008
Census Tract	600

Historic Designation

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

Historic District	Within the Rolling Mill Historic District listed 2008 · 163 contributing resources · NRIS 08001215

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

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	640 BAKER ST, CUMBERLAND, MD 21502-3506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed, Transfer · Seller Carry-Back MICHAEL KAGAN
Jan 25, 2024	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Prior Sale	Jan 25, 2024 · Amount on Record
Deed Book / Page	3191 / 133
Transfer Doc	0000000643
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 1, 2026
Property Address	640 BAKER ST, CUMBERLAND, MD 21502-3506
Document Number	3191000133
Book / Page	3191 / 133
Instrument Date	Aug 14, 2026
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93,425.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 BAKER ST, CUMBERLAND, MD 21502-3506

Mortgage

Document Number	3191000140,
Date	Sep 1, 2026
Book Page	3191/140

Lender

Name	MICHAEL KAGAN
Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

Interest

Rate	5%
Max Rate	-1%

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 25, 2024
Property Address	640 BAKER ST, CUMBERLAND, MD 21502-3506
Document Number	002939-0175
Book / Page	2939 / 175
Instrument Date	Dec 4, 2023
Transaction Type	Transfer
Record Updated	Feb 7, 2024

Transaction

Amount	Amount Recorded
Tax	$10.00
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
Address	PO BOX 24, CUMBERLAND, MD 21501-0024

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		$78,000 (+1,326.74%) Land $1,700 Building $76,300	$78,000 (+1,064.18%) Land $1,700 Building $76,300
2025	$50.00 (+85.19%)	$5,467 (+82.23%)	$6,700 (+123.33%) Land $1,700 Building $5,000
2023	$27.00	$3,000 Land $1,700 Building $1,300	$3,000 Land $1,700 Building $1,300

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

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

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	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 420 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
SkyPacket Fixed Wireless	100 / 20

May also be available: Crowsnest Broadband.

Nearby Properties on Baker St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures