920 Bedford St, Cumberland, MD, 21502
About This Home
Turnkey investment opportunities like this don’t come around often! This move-in ready duplex features two 1-bedroom, 1-bath units, making it an excellent addition to any investor’s portfolio or a great option for an owner-occupant looking to offset their mortgage with rental income. Both units are ready for immediate occupancy, allowing you to start generating income without the hassle of renovations. Conveniently located near downtown Cumberland, shopping, restaurants, schools, and commuter routes, this property combines strong rental potential with everyday convenience. Whether you’re a seasoned investor or just getting started, this is a chance to own a cash-flowing property in an affordable market. Don’t miss your opportunity to add this income-producing duplex to your portfolio!
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1885
Materials
- Foundation: Block
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Other
- Property subType: Duplex
Interior
Appliances
- Appliances included: Dryer,Washer,Microwave,Gas Water Heater
Basement
- Area: 0
Basement
- Has basement: Yes
- Basement: Exterior Entry,Partial
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
Features
- Attic,Dining Area
Heating & Cooling
- Heating features: Radiator,Natural Gas
- Cooling features: Window Unit(s),Electric
Interior Area
- Total structure area: 1,778
- Total interior livable area: 1,778 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 0105005957
- Zoning: M
- Special condition: Standard
Features
- Pool features: None
Lot
- Lot size: 0.72 Acres
Parking
- Parking features: None
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
- Winter Weather
- Hail
- Heat Wave
- Inland Flooding
- Landslide
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $702 | $8,424 |
| Home Insurance * | $89 | $1,068 |
| Property Taxes | $267 | $3,204 |
| Electricity | $281 | $3,374 |
| Total | $1,339 | $16,068 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-09 | Price change | $135,000 |
| 2026-07-24 | Price change | $139,000 |
| 2026-07-04 | Price change | $145,000 |
| 2026-06-19 | Listed for sale | $150,000 |
| 2024-02-02 | Sold | $55,000 |
| 2018-03-28 | Listing removed | $59,900 |
| 2018-03-12 | Price change | $59,900 |
| 2017-11-13 | Price change | $69,900 |
| 2017-10-02 | Price change | $74,900 |
| 2017-06-19 | Listed for sale | $85,000 |
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