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302 Wills Creek Ave, Cumberland, MD, 21502

2beds
1baths
1,503sqft
$99,000
$66price/sqft
$1,034/moest. monthly cost
$41,360/yrincome needed

About This Home

Opportunity awaits at 302 Wills Creek Ave in Cumberland! This 2 bedroom, 1 bath home offers over 1,400 sq ft of living space with a spacious layout, partial basement, and convenient location near downtown, shopping, schools, and major routes. Perfect for homeowners looking to add their personal touch or investors seeking their next project. Sold as-is. Don’t miss your chance to unlock the potential of this affordable property.

Getting Around

30
WalkingCar-Dependent
20
TransitMinimal Transit
27
BikeSomewhat Bikeable

Schools

7/10
6/10
Braddock Middle SchoolGrades 6-80.9 mi
6/10
Allegany High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1890

Materials

  • Roof: Composition,Shingle
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,503

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Other

Interior Area

  • Total structure area: 1,503
  • Total interior livable area: 1,503 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0106034594
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Exterior features: Other

Lot

  • Lot size: 4 Acres

Parking

  • Parking features: Off Street

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 WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $500$6,000
Home Insurance *$63$756
Property Taxes $190$2,280
Electricity $281$3,374
Total$1,034$12,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,451/yr
40% on housing$31,020/yr
45% on housing$27,573/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

$66This 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
2026-08-12Price change$93,800
2026-07-21Price change$99,000
2026-07-01Price change$129,000
2026-06-25Price change$139,000
2026-06-18Price change$149,000
2026-06-12Listed for sale$157,000
2014-12-23Sold$18,500
2014-11-14Pending sale$19,900
2014-11-11Listed for sale$19,900
2014-11-06Pending sale$19,900
2014-11-04Listed for sale$19,900
2014-10-07Sold$10,366
2014-10-07Listed for sale$24,900
2012-04-02Listing removed$39,900
2012-03-20Listed for sale$39,900
2010-08-01Listing removed$54,900
2010-01-28Price change$54,900
2009-08-13Listed for sale$69,900
2003-08-11Sold$5,000

For Sale by Agent

AgentDaniel Demers
BrokerageSell Your Home Services

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