642 N Centre St, Cumberland, MD 21502 Property Records

Allegany County property record for 642 N Centre St, Cumberland, MD 21502 · Last verified July 2026

Property Summary

Property Type	Exempt (Full or Partial)
Lot Size	0.04 acres (1,764 sqft)
Owner	Company Name on File
Last Sale	$1,200,000 (Jan 2023)
Tax Bill	$57 (2024)
Deeds & Mortgages	Jun 2026 Sale Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`05-025710`

Property Details

APN / Parcel Number

Primary APN	`05-025710`
Alternative APNs	`5025710` `025710`

Exterior

Lot Area	1,764 sqft (0.04 acres)
Lot Dimensions	84 ft deep x 21 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	025710
Street Address	642 N CENTRE ST
City	CUMBERLAND
State	MD
Zip	21502
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Description	642 N CENTRE ST BEALLS 1ST ADDN 21X84
Legal Subdivision	BEALLS 1ST ADD
Jurisdiction	ALLEGANY MD
Township / Civil Division	14, CUMBERLAND
Census Block Group	2
Census Block	2009
Census Tract	1000

Owner

Source: Allegany County records · APN 05-025710

Assessment roll updated July 31, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 1614, CUMBERLAND, MD 21501-1614
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Nov 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST
Jan 18, 2023	Deed, Transfer
Dec 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 18, 2023 · Amount on Record
Deed Sale	Jan 18, 2023 · Amount on Record
Prior Sale	May 22, 1997 · Amount on Record
Deed Book / Page	2848 / 466
Last Transfer Date	Jun 03, 2026
Transfer Doc	3172000439
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 23, 2026
Document Number	3172000439
Book / Page	3172 / 439
Instrument Date	Jun 03, 2026
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	642 N CENTRE ST, CUMBERLAND, MD 21502
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003110-0377
Date	Nov 10, 2025
Book Page	3110/377

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	OAKLAND, MD 21550

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 18, 2023
Property Address	642 N CENTRE ST, CUMBERLAND, MD 21502
Document Number	002848-0466
Book / Page	2848 / 466
Instrument Date	Dec 14, 2022
Transaction Type	Transfer
Record Updated	Feb 01, 2023

Transaction

Amount	Amount Recorded
Tax	$6,000.00
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

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY MD
Recording Date	Dec 27, 2017
Property Address	642 N CENTRE ST, CUMBERLAND, MD 21502
Document Number	0023490456
Book / Page	002349 / 000456
Instrument Date	Dec 01, 2017
Transaction Type	Transfer
Record Updated	Jan 18, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 N CENTRE ST MD, MD

Tax Assessment & Valuation

Source: Allegany County records · Assessment roll updated July 31, 2025 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,100 (-) Land $6,100	$6,100 (-) Land $6,100
2024	$57.00 (+1.79%)
2023	$56.00	$6,100 Land $6,100	$6,100 Land $6,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allegany County (24001C), updated November 12, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240010010002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Claims	3 (1989–1995)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1995, river or lake flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 721 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cogeco Cable Holdings II	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Skypacket Networks	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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