644 N Centre St, Cumberland, MD 21502 Property Records

Allegany County property record for 644 N Centre St, Cumberland, MD 21502

Property Summary

Property Type	Exempt (Full or Partial)
Lot Size	0.052 acres (2,268 sqft)
Owner	Company Name on File
Last Sale	$1,200,000 (Jan 2023)
Tax Bill	$97 (2024)
Deeds & Mortgages	Jun 2026 Sale Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`05-015189`

Property Details

APN / Parcel Number

Primary APN	`05-015189`
Alternative APNs	`5015189` `015189`

Exterior

Lot Area	2,268 sqft (0.052 acres)
Lot Dimensions	84 ft deep x 27 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	015189
Street Address	644 N CENTRE ST
City	CUMBERLAND
State	MD
Zip	21502
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R-O
Legal Description	644 N CENTRE ST BEALLS 1ST 27X84
Jurisdiction	ALLEGANY MD
Township / Civil Division	14, CUMBERLAND
Census Block Group	2
Census Block	2009
Census Tract	1000

Owner

644 N Centre St is owned by a company that acquired it in June 2026.

Source: Allegany County records, as of July 10, 2026

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

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

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	Name on Deed
Last Sale	Jan 18, 2023 · Amount on File
Deed Sale	Jan 18, 2023 · Amount on File
Deed Book / Page	2848 / 466
Last Transfer Date	Jun 3, 2026
Transfer Doc	3172000439
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 23, 2026
Property Address	644 N CENTRE ST, CUMBERLAND, MD 21502
Document Number	3172000439
Book / Page	3172 / 439
Instrument Date	Jun 3, 2026
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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	Company

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	644 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 on Record

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 18, 2023
Property Address	644 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 1, 2023

Transaction

Amount	Amount on Record
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	644 N CENTRE ST, CUMBERLAND, MD 21502
Document Number	0023490456
Book / Page	002349 / 000456
Instrument Date	Dec 1, 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	644 N CENTRE ST MD, MD

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of July 31, 2025

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
2025		$10,533	$10,700 Land $7,900 Building $2,800
2024	$97.00 (+32.88%)
2023	$73.00	$7,900 Land $7,900	$7,900 Land $7,900

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

Flood

FEMA maps place 644 N Centre St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1989–1995)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1995 · river or lake flooding

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

Wildfire risk around 644 N Centre St is low, with a 0.01% annual chance of 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	Indirect within 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 721 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
Starlink Satellite	280 / 30
SkyPacket Fixed Wireless	100 / 20

May also be available: AT&T.

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