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626 Elwood St, Cumberland, MD, 21502

2beds
1baths
837sqft
$148,000
$177price/sqft
$1,408/moest. monthly cost
$56,320/yrincome needed

About This Home

Nice brick ranch/bungalow in popular South Cumberland Location featuring a updated kitchen, hardwood floors, remodeled bathroom on main level, Full basement with potential for additional living space, hot water baseboard heat, replacement windows, upgraded wiring and more. The property also has a large covered partially enclosed deck with addional outdoor deck space, fenced rear yard, 1 car garage and fenced rear yard. The home has had fresh paint throughout.

Getting Around

60
WalkingSomewhat Walkable
22
TransitMinimal Transit
35
BikeSomewhat Bikeable

Schools

3/10
3/10
Washington Middle SchoolGrades 6-80.4 mi
6/10
Fort Hill High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Block
  • Roof: Architectural Shingle
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

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

Bedroom1

  • Features: Flooring - Solid Hardwood
  • Level: Main

Bedroom2

  • Features: Flooring - Solid Hardwood
  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 837

Heating & Cooling

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

Interior Area

  • Total structure area: 1,674
  • Total interior livable area: 837 sqft

Kitchen

  • Features: Flooring - Luxury Vinyl Tile
  • Level: Main

Living Room

  • Features: Flooring - Solid Hardwood
  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0104039521
  • Zoning: R
  • Special condition: Probate Listing

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 6,148 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Side,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Lightning
Strong Wind
Winter Weather

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 $748$8,976
Home Insurance *$95$1,140
Property Taxes $284$3,408
Electricity $281$3,374
Total$1,408$16,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,274/yr
40% on housing$42,240/yr
45% on housing$37,546/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

$177This 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)

Price History

DateEventPrice
2026-08-07Contingent$148,000
2026-07-21Listed for sale$148,000
2005-06-30Sold$79,900

For Sale by Agent

AgentJohn Macy
BrokerageLong & Foster Real Estate, Inc.

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