95 Cumberland Ct, Frederick, MD 21702 Property Records

Frederick County property record for 95 Cumberland Ct, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,802 sqft · built 1999
Lot Size	0.258 acres (11,252 sqft)
Owner	Individual Name on Record
Last Sale	$474,000 (Jun 2007)
Tax Bill	$7,899 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-216566`

Property Details

APN / Parcel Number

Primary APN	`02-216566`
Alternative APNs	`2216566` `216566`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,802 sqft Total Area
1st Floor Area	1,310 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,252 sqft (0.258 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	216566
Old Parcel Number	2216566
Street Address	95 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 176 PLAT 7 PHASE II-11,252 SQ. FT. WILLOW BROOK
Legal Subdivision	WILLOW BROOK 07 PH 02
Legal Phase	2
Legal Lot Number	176
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 records, as of September 25, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	95 CUMBERLAND CT, FREDERICK, MD 21702-3155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
Sep 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2007 · Amount on Record
Deed Sale	Jun 27, 2007 · Amount on Record
Prior Sale	Feb 6, 2001 · Amount on Record
Deed Document Number	073502
Deed Book / Page	6641 / 92
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	95 CUMBERLAND CT, FREDERICK, MD 21702-3155
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	NOT AVAILABLE, FAMS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154210174
Date	Oct 25, 2021
Book Page	15421/174

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	95 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 July 1, 2023

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
2023	$7,899.00 Homeowner's exemption	$467,533	$577,400 Land $115,600 Building $461,800

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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