715 Memorial Ave, Cumberland, MD 21502 Property Records

Allegany County property record for 715 Memorial Ave, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,602 sqft · built 1928
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$131,500 (Mar 2022)
Tax Bill	$1,654 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-004930`

Property Details

APN / Parcel Number

Primary APN	`04-004930`
Alternative APNs	`4004930` `004930`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,602 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	125 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft
Deck Area	42 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	004930
Street Address	715 MEMORIAL AVE
City	CUMBERLAND
State	MD
Zip	21502-3733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	715 MEMORIAL AVE LOTS 32-33-34 120X125 BLK 19
Legal Subdivision	CUMBERLAND HEIGHTS ADD CUMBERL
Legal Block	19
Legal Lot Number	32-34
Jurisdiction	ALLEGANY MD
Township / Civil Division	4, CUMBERLAND
Census Block Group	1
Census Block	1039
Census Tract	600

Owner

Source: Allegany County records, as of October 1, 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	711 MEMORIAL AVE, CUMBERLAND, MD 21502-3733
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	Mar 29, 2022 · Amount on Record
Deed Sale	Mar 29, 2022 · Amount on Record
Prior Sale	Dec 15, 2011 · Amount on Record
Deed Book / Page	2766 / 263
Transfer Doc	0007250161
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Mar 29, 2022
Property Address	715 MEMORIAL AVE, CUMBERLAND, MD 21502-3733
Document Number	002766-0263
Book / Page	2766 / 263
Instrument Date	Mar 4, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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
Address	711 MEMORIAL AVE, CUMBERLAND, MD 21502-3733

Mortgage

Document Number	0002766270
Date	Mar 29, 2022
Instrument	2766/270

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Mortgage

Document Number	002766-0286
Date	Mar 29, 2022
Book Page	2766/286

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2032

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		$183,500 (+1.68%) Land $18,500 Building $165,000	$183,500 (-) Land $18,500 Building $165,000
2025	$1,654.00 (+1.97%) Homeowner's exemption	$180,467 (+3.48%)	$183,500 (+5.22%) Land $18,500 Building $165,000
2023	$1,622.00	$174,400 Land $18,500 Building $155,900	$174,400 Land $18,500 Building $155,900

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	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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