818 Windsor Rd, Cumberland, MD 21502 Property Records

Allegany County property record for 818 Windsor Rd, Cumberland, MD 21502

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,566 sqft · built 1900
Lot Size	0.746 acres (32,485 sqft)
Owner	Individual Name on Record
Last Sale	$555,000 (Oct 2025)
Tax Bill	$4,171 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-030939`

Property Details

APN / Parcel Number

Primary APN	`06-030939`
Alternative APNs	`6030939` `030939`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,566 sqft Total Area
Attic	Attic
Attic Area	351 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Stucco
Roof Material	Tile
Lot Area	32,485 sqft (0.746 acres)
Lot Dimensions	178 ft deep x 366 ft wide
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	80 sqft
Deck Area	144 sqft
Patio Area	838 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	030939
Street Address	818 WINDSOR RD
City	CUMBERLAND
State	MD
Zip	21502-2730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	818 WINDSOR RD LOT 37 366X178 DINGLE ADDN 319X 0
Legal Subdivision	DINGLE ADD
Legal Lot Number	37
Jurisdiction	ALLEGANY MD
Township / Civil Division	6, CUMBERLAND
Census Block Group	2
Census Block	2034
Census Tract	1200

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	Individual Name on Record
Mailing Address	818 WINDSOR RD, CUMBERLAND, MD 21502-2730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed, Transfer · Conventional Mortgage TRUIST BANK
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUST BANK
Mar 30, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jul 15, 2020	Grant Deed, Transfer · VA Mortgage NAVY FCU
Jun 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES CMNTY FCU
Nov 20, 2017	Deed of Trust, Mortgage FIRST PEOPLES CMNTY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Jul 15, 2020 · Amount on Record
Deed Book / Page	3099 / 1
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 7, 2025
Property Address	818 WINDSOR RD, CUMBERLAND, MD 21502-2730
Document Number	003099-0001
Book / Page	3099 / 1
Instrument Date	Aug 11, 2025
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	ALLEGANY GARRETT TITLES & ST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 WINDSOR RD, CUMBERLAND, MD 21502-2730

Mortgage

Document Number	003099-0008
Date	Oct 7, 2025
Book Page	3099/8

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2055

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Recording Date	Jul 21, 2026
Property Address	818 WINDSOR RD, CUMBERLAND, MD 21502-2730
Document Number	3181000368
Book / Page	3181 / 368
Instrument Date	Aug 11, 2025
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 RAVEN RUN, MORGANTOWN, WV 26508-9297

Mortgage

Document Number	3181000368,
Date	Jul 21, 2026
Book Page	3181/368

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.28%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	818 WINDSOR RD, CUMBERLAND, MD 21502-2730
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002645-0002
Date	Mar 30, 2021
Book Page	2645/2

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jul 15, 2020
Property Address	818 WINDSOR RD, CUMBERLAND, MD 21502-2730
Document Number	0025690467
Book / Page	002569 / 000467
Instrument Date	Jun 9, 2020
Transaction Type	Transfer
Record Updated	Aug 19, 2020
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	818 WINDSOR RD CUMBERLAND MD 215022730, CUMBERLAND, MD 21502-2730

Mortgage

Document Number	25690476
Date	Jul 15, 2020
Book Page	002569/000476

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	818 WINDSOR RD, CUMBERLAND, MD 21502-2730
Document Number	0024810072
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 WINDSOR RD CUMBERLAND MD 215022730, CUMBERLAND, MD 21502-2730

Mortgage

Document Number	0024810072
Date	Jul 12, 2019
Book Page	002481/000072

Lender

Name	FIRST PEOPLES CMNTY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 11, 2034

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	818 WINDSOR RD, CUMBERLAND, MD 21502-2730
Document Number	0023450147
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 WINDSOR RD CUMBERLAND MD 215022730, CUMBERLAND, MD 21502-2730

Mortgage

Document Number	0023450147
Date	Dec 1, 2017
Book Page	002345/000147

Lender

Name	FIRST PEOPLES CMNTY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21501

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 30, 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		$569,400 (+6.82%) Land $55,200 Building $514,200	$569,400 (-) Land $55,200 Building $514,200
2025	$4,171.00 (+7.64%) Homeowner's exemption	$533,067 (+15.78%)	$569,400 (+23.68%) Land $55,200 Building $514,200
2023	$3,875.00 Homeowner's exemption	$460,400 Land $55,200 Building $405,200	$460,400 Land $55,200 Building $405,200

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	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · other causes

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
SkyPacket Fixed Wireless	100 / 20

May also be available: Verizon.

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