Allegany County property record for 732 E Oldtown Rd, Cumberland, MD 21502
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 4,994 sqft · built 1953 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Company Name on Record |
| Last Sale | $100,000 (Aug 1985) |
| Tax Bill | $3,110 (2025) |
| Deeds & Mortgages | Jul 2019 Line of Credit Jul 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-010531 |
| Primary APN | 04-010531 |
|---|---|
| Alternative APNs |
|
| Units | 2 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 4,994 sqft Total Area |
| 1st Floor Area | 4,994 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Wood |
| Construction Type | Brick |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Flat |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 100 ft deep x 96 ft wide |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 010531 |
|---|---|
| Street Address | 732 E OLDTOWN RD |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-3751 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | B-L |
| Legal Description | 732 OLDTOWN RD LOT 34 BLK 22 JH 96X100 |
| Legal Subdivision | JOHNSON HEIGHTS ADDITION |
| Legal Block | 22 |
| Legal Lot Number | 34 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 4, CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 600 |
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 Record | Company Name on Record |
|---|---|
| Mailing Address | 732 E OLDTOWN RD, CUMBERLAND, MD 21502-3751 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 10, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST UNITED BK |
| Jul 11, 2019 | Trustee's Deed, Construction Loan · Line of Credit FIRST UNITED BK |
| Apr 10, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 1985 · Amount on Record |
| Deed Sale | Aug 23, 1985 · Amount on Record |
| Deed Book / Page | 551 / 669 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 732 E OLDTOWN RD, CUMBERLAND, MD 21502-3751 |
| Document Number | 0024800272 |
| Instrument Date | Jul 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 732 E OLDTOWN RD CUMBERLAND MD 215023751, CUMBERLAND, MD 21502-3751 |
| Document Number | 0024800272 |
|---|---|
| Date | Jul 11, 2019 |
| Book Page | 002480/000272 |
| Name | FIRST UNITED BK |
|---|---|
| Type | Bank |
| Address | CUMBERLAND, MD 21502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Jul 11, 2019 |
| Property Address | 732 E OLDTOWN RD, CUMBERLAND, MD 21502-3751 |
| Document Number | 0024800255 |
| Book / Page | 002480 / 000255 |
| Instrument Date | Jul 10, 2019 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 29, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 732 E OLDTOWN RD CUMBERLAND MD 215023751, CUMBERLAND, MD 21502-3751 |
| Document Number | 24800255 |
|---|---|
| Date | Jul 11, 2019 |
| Book Page | 002480/000255 |
| Name | FIRST UNITED BK |
|---|---|
| Type | Bank |
| Address | CUMBERLAND, MD 21502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Apr 10, 2019 |
| Property Address | 732 E OLDTOWN RD, CUMBERLAND, MD 21502-3751 |
| Document Number | 0024570219 |
| Book / Page | 002457 / 000219 |
| Instrument Date | Apr 8, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 732 E OLDTOWN RD CUMBERLAND MD 215023751, CUMBERLAND, MD 21502-3751 |
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $356,800 (+5.16%) Land $33,600 Building $323,200 | $356,800 (-) Land $33,600 Building $323,200 | |
| 2025 | $3,110.00 (+9.89%) | $339,300 (+11.5%) | $356,800 (+17.25%) Land $33,600 Building $323,200 |
| 2023 | $2,830.00 | $304,300 Land $33,600 Building $270,700 | $304,300 Land $33,600 Building $270,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 513 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 |
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