See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

514 Baltimore Ave, Cumberland, MD, 21502

2beds
1baths
1,224sqft
$109,900
$90price/sqft
$1,117/moest. monthly cost
$44,680/yrincome needed

About This Home

MOVE IN READY HOME - WELL KEPT AND NICLEY RE-DONE - MAIN LEVEL LAUNDRY OFF THE KITCHEN - BEDROOMS HAVE VALUTED CEILINGS - HOME HAS BEEN RE-DRYWALLED AT ONE TIME -METAL ROOF ON MAIN HOME - NEW FLOORING IN MOST ROOMS - STAINLESS STEEL APPLIANCES - VERY NICE HOME - CLOSE TO I-68 EAST & WEST - ALLEGANY COLLEGE & UPMC HOSPITAL - GREAT HOME FOR THE MONEY- HOME IS NICE AND WAS A RENTAL SINCE PRUCHASED. SELLER SAID BASEMENT DOES GET WET ON OCCASION

Getting Around

28
WalkingCar-Dependent
24
TransitMinimal Transit
9
BikeSomewhat Bikeable

Schools

7/10
6/10
Braddock Middle SchoolGrades 6-81.2 mi
6/10
Allegany High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Stone
  • Roof: Asphalt,Metal
  • Construction materials: Asbestos

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Cooktop,Water Heater,Gas Water Heater
  • Laundry features: Main Level,Washer/Dryer Hookups Only,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Partial

Bedroom1

  • Level: Upper
  • Area: 140
  • Dimensions: 10 X 14

Bedroom2

  • Level: Upper
  • Area: 196
  • Dimensions: 14 X 14

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main
  • Area: 169
  • Dimensions: 13 X 13

Features

  • Dry Wall
  • Door features: Storm Door(s)
  • Window features: Double Pane Windows
  • Flooring: Laminate,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,224

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 1,944
  • Total interior livable area: 1,224 sqft

Kitchen

  • Level: Main
  • Area: 121
  • Dimensions: 11 X 11

Laundry

  • Level: Main
  • Area: 77
  • Dimensions: 7 X 11

Living Room

  • Level: Main
  • Area: 182
  • Dimensions: 13 X 14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0135002561
  • Zoning: RESID
  • Special condition: Standard

Features

  • Levels: Bi-Level,Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio,Porch
  • Exterior features: Stone Retaining Walls

Lot

  • Lot size: 5,002 sqft
  • Features: Backs - Open Common Area
  • Lot size dimensions: 41 x 122

Parking

  • Parking features: Off Street,On Street
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Hail
Heat Wave
Inland Flooding
Landslide
Lightning

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $555$6,660
Home Insurance *$70$840
Property Taxes $211$2,532
Electricity $281$3,374
Total$1,117$13,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,297/yr
40% on housing$33,510/yr
45% on housing$29,786/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$90This listing

vs Other Active Listings

Avg $/sqft

ZIP 21502$79
Allegany County$80

vs Homes Sold Last Month

Median $/sqft

ZIP 21502$109
Allegany County$110

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$109,900
2026-06-02Listed for sale$109,900
1999-02-05Sold$18,000

For Sale by Agent

AgentDennis Murray
BrokerageCentury 21 Potomac West

Similar Homes