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730 Baker St, Cumberland, MD 21502 Property Records

Allegany County property record for 730 Baker St, Cumberland, MD 21502

Property Summary

Property TypeSingle Family Home
Details1.5 ba · 1,450 sqft · built 1920
Lot Size0.09 acres (3,901 sqft)
OwnerIndividual Name on Record
Last Sale$119,900 (Aug 2026)
Tax Bill$291 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Jul 2021 Sale
Flood ZoneZone X (minimal risk)
APN04-031385

Property Details

APN / Parcel Number

Primary APN04-031385
Alternative APNs
  • 4031385
  • 031385

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,450 sqft Total Area
1st Floor Area725 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area3,901 sqft (0.09 acres)
Lot Dimensions123 ft deep x 31 ft wide
PorchSlab
Porch Area237 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemBaseboard
Heating FuelOil
SewerConnected

Location & Zoning

Account Number031385
Street Address730 BAKER ST
CityCUMBERLAND
StateMD
Zip21502-3508
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description730 BAKER ST BLK B 31X123 GROSS-TANZER 125
Legal Block31X123
JurisdictionALLEGANY MD
Township / Civil Division4, CUMBERLAND
Census Block Group2
Census Block2011
Census Tract600

Historic Designation

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

Historic DistrictWithin 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 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 RecordIndividual Name on Record
Mailing Address730 BAKER ST, CUMBERLAND, MD 21502-3508
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

Deeds, Mortgages & Sale History

DateDocument
Aug 14, 2026Special Warranty Deed, Transfer · FHA Mortgage
ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 23, 2021Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 14, 2026 · Amount on Record
Deed SaleAug 14, 2026 · Amount on Record
Prior SaleJun 5, 2025 · Amount on Record
Deed Book / Page3186 / 155
Record UpdatedOct 29, 2026

August 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionALLEGANY MD
Recording DateAug 14, 2026
Property Address730 BAKER ST, CUMBERLAND, MD 21502-3508
Document Number3186000155
Book / Page3186 / 155
Instrument DateJun 30, 2026
Transaction TypeTransfer
Record UpdatedAug 26, 2026
Title CompanyINTEGRITY TITLE AND ESCROW, INTEGRITY TITLE & ESCROW COMPA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$121,099.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address730 BAKER ST, CUMBERLAND, MD 21502-3508

Mortgage

Document Number3186000162,
DateAug 14, 2026
Book Page3186/162
Lender
NameARK-LA-TEX FINANCIAL SERVICES LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Max Rate-1%

July 2021: Deed, Transfer

Document TypeDeed
JurisdictionALLEGANY MD
Recording DateJul 23, 2021
Property Address730 BAKER ST, CUMBERLAND, MD 21502-3508
Document Number002685-0191
Book / Page2685 / 191
Instrument DateJul 2, 2021
Transaction TypeTransfer
Record UpdatedSep 21, 2023

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address730 BAKER ST, CUMBERLAND, MD 21502-3508

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyAllegany County
MunicipalityCumberland City
Unified School DistrictAllegany County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$38,900 (+121.02%) Land $3,500 Building $35,400$38,900 (+121.02%) Land $3,500 Building $35,400
2025$291.00 (+78.53%)
2023$163.00 Homeowner's exemption$17,600 Land $3,500 Building $14,100$17,600 Land $3,500 Building $14,100

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemCITY OF CUMBERLAND
serves 27,039 people · EPA ID MD0010008
Water SourceSurface water
Last State InspectionJul 2025
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 205 locations within half a mile, as of December 31, 2025

ProviderMax 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.

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