93 Cumberland Ct, Frederick, MD 21702 Property Records

Frederick County property record for 93 Cumberland Ct, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,844 sqft · built 1999
Lot Size	0.223 acres (9,725 sqft)
Owner	2 Individual Names on File
Last Sale	$605,000 (Apr 2026)
Tax Bill	$7,786 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-216574`

Property Details

APN / Parcel Number

Primary APN	`02-216574`
Alternative APNs	`2216574` `216574`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,844 sqft Living Area
Gross Area	3,244 sqft
1st Floor Area	1,396 sqft
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,725 sqft (0.223 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	216574
Street Address	93 CUMBERLAND CT
City	FREDERICK
State	MD
Zip	21702-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LOT 177 PLAT 7 PHASE II-9,725 SQ. FT. WILLOW BROOK
Legal Subdivision	WILLOWBROOK 07 PH 02
Legal Phase	2
Legal Lot Number	177
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1019
Census Tract	750701

Historic Designation

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

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Frederick County assessment roll, as of August 4, 2025

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 File
Mailing Address	93 CUMBERLAND CT, FREDERICK, MD 21702-3155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION
Apr 16, 2026	Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION
Sep 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Mar 16, 1999 · Amount on Record
Deed Book / Page	17821 / 52
Prior Transfer Date	Apr 13, 2026
Prior Transfer Doc	0178210052
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 16, 2026
Property Address	93 CUMBERLAND CT, FREDERICK, MD 21702-3155
Document Number	0178210052
Book / Page	17821 / 52
Instrument Date	Apr 13, 2026
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$611,050.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	93 CUMBERLAND CT, FREDERICK, MD 21702-3155

Mortgage

Document Number	1782000059,
Date	Apr 16, 2026
Book Page	17821/59

Lender

Name	SWBC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 16, 2026
Property Address	93 CUMBERLAND CT, FREDERICK, MD 21702-3155
Document Number	1782000052
Book / Page	17821 / 52
Instrument Date	Apr 13, 2026
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$611,050.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	93 CUMBERLAND CT, FREDERICK, MD 21702-3155

Mortgage

Document Number	1782000059,
Date	Apr 16, 2026
Book Page	17821/59

Lender

Name	SWBC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	93 CUMBERLAND CT, FREDERICK, MD 21702-3155
Document Number	0120380413
Book / Page	012038 / 000413
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 23, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	100 CUMBERLAND CT FREDERICK MD 217023101, FREDERICK, MD 21702-3101

Mortgage

Document Number	0120380413
Date	Sep 20, 2017
Book Page	012038/000413

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,786.00 (+4.85%) Homeowner's exemption	$499,800 (+22.72%) Land $115,400 Building $384,400	$499,800 (-) Land $115,400 Building $384,400
2024	$7,426.00 (+7.28%)
2023	$6,922.00 Homeowner's exemption	$407,267	$499,800 Land $115,400 Building $384,400

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 6, 2024 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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 99.1% of the US · lower than 98.5% 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 FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) 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 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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