98 Cumberland Ct, Frederick, MD 21702 Property Records

Frederick County property record for 98 Cumberland Ct, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,842 sqft · built 1999
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on Record
Last Sale	$599,000 (Jan 2026)
Tax Bill	$8,988 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jan 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`02-216515`

Property Details

APN / Parcel Number

Primary APN	`02-216515`
Alternative APNs	`2216515` `216515`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,842 sqft Living Area
Gross Area	3,326 sqft
1st Floor Area	1,252 sqft
Basement Area	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,407 sqft (0.193 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	216515
Street Address	98 CUMBERLAND CT
City	FREDERICK
State	MD
Zip	21702-3187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LOT 172 PLAT 7 8,407 SQ. FT. PHASE II WILLOW BROOK
Legal Subdivision	WILLOW BROOK
Legal Phase	2
Legal Lot Number	172
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 July 13, 2026

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 Record
Mailing Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 2, 2026	Deed, Transfer · Conventional Mortgage UNITED NATIONS FCU
Jan 23, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 11, 2019	Intrafamily Transfer, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 3, 2017	Deed, Transfer · FHA Mortgage NEW AMERICA FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2026 · Amount on Record
Deed Sale	Jan 2, 2026 · Amount on Record
Prior Sale	Mar 11, 2019
Deed Book / Page	17667 / 220
Prior Transfer Date	Jan 18, 2019
Prior Transfer Doc	0128650471
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187
Investor	Possibly a Property Investor

Mortgage

Document Number	0160570039
Date	Jul 29, 2022
Book Page	16057/39

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2052

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 2, 2026
Property Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187
Document Number	0176670220
Book / Page	17667 / 220
Map Reference	MB 62 PG 71
Instrument Date	Sep 29, 2025
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187

Mortgage

Document Number	0017667230
Date	Jan 2, 2026
Instrument	17667/230

Lender

Name	UNITED NATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134810211
Date	Jan 23, 2020
Book Page	13481/0211

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Mar 11, 2019
Property Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187
Document Number	0128650471
Book / Page	12865 / 0471
Map Reference	MB 62 PG 71
Instrument Date	Jan 18, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	UNISOURCE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187

Mortgage

Document Number	0012865477
Date	Mar 11, 2019
Instrument	12865/477

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187
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

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 3, 2017
Property Address	98 CUMBERLAND CT, FREDERICK, MD 21702-3187
Document Number	0117960346
Book / Page	11796 / 0346
Map Reference	MB62 PG71
Instrument Date	Apr 25, 2017
Instrument	11796-0346
Transaction Type	Transfer
Record Updated	Aug 9, 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	117960354
Date	May 3, 2017
Instrument	11796-0354

Lender

Name	NEW AMERICA FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 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	$8,988.00 (+9.6%)	$487,600 (+22.59%) Land $115,300 Building $372,300	$487,600 (-) Land $115,300 Building $372,300
2024	$8,201.00 (+13.3%)
2023	$7,238.00	$397,733	$487,600 Land $115,300 Building $372,300

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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