74 Baltimore St, Cumberland, MD 21502 Property Records

Allegany County property record for 74 Baltimore St, Cumberland, MD 21502

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,200 sqft · built 1900
Lot Size	0.03 acres (1,306 sqft)
Owner	Company Name on Record
Last Sale	$90,000 (Oct 2021)
Tax Bill	$921 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`14-003657`

Property Details

APN / Parcel Number

Primary APN	`14-003657`
Alternative APN	`003657`

Interior

Units	2 Units
Stories	3 Stories
Building Area	2,200 sqft Total Area
1st Floor Area	2,200 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Metal
Lot Area	1,306 sqft (0.03 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	003657
Street Address	74 BALTIMORE ST
City	CUMBERLAND
State	MD
Zip	21502-3027
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	B-CBD
Legal Description	74 BALTIMORE ST 19X86 12X83
Jurisdiction	ALLEGANY MD
Township / Civil Division	14, CUMBERLAND
Census Block Group	2
Census Block	2027
Census Tract	1000

Historic Designation

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

Historic District	Within the Downtown Cumberland Historic District listed 1983 · 107 contributing resources · NRIS 83002917

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 Record	Company Name on Record
Mailing Address	16 GREEN ST, CAZENOVIA, NY 13035-1026
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Unknown DOLLAR BANK FSB
Oct 28, 2021	Deed, Transfer · Commercial Mortgage STANDARD BANK PASB
Sep 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Jul 19, 1991 · Amount on Record
Deed Book / Page	2717 / 5
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	74 BALTIMORE ST, CUMBERLAND, MD 21502-3027
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 GREEN ST, CAZENOVIA, NY 13035-1026

Mortgage

Document Number	003103-0136
Date	Oct 15, 2025
Book Page	3103/136

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 28, 2021
Property Address	74 BALTIMORE ST, CUMBERLAND, MD 21502-3027
Document Number	002717-0005
Book / Page	2717 / 5
Instrument Date	Sep 3, 2021
Transaction Type	Transfer
Record Updated	Nov 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Mortgage

Document Number	002717-0012
Date	Oct 28, 2021
Book Page	2717/12

Lender

Name	STANDARD BANK PASB
Type	Bank
Address	MONROEVILLE, PA 15146

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY MD
Recording Date	Sep 15, 2020
Property Address	74 BALTIMORE ST, CUMBERLAND, MD 21502-3027
Document Number	0025840388
Book / Page	002584 / 000388
Instrument Date	Sep 10, 2020
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 BALTIMORE ST CUMBERLAND MD 215023027, CUMBERLAND, MD 21502-3027

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		$100,500 (-16.04%) Land $9,100 Building $91,400	$100,500 (-16.04%) Land $9,100 Building $91,400
2025	$921.00 (-17.25%)
2023	$1,113.00	$119,700 Land $9,100 Building $110,600	$119,700 Land $9,100 Building $110,600

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

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.

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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
SkyPacket Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Crowsnest Broadband.

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