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Single Family ResidenceResidential
$87,698$149 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $72,999 on Mar 23, 2023

109 E ROBERTS ST

CUMBERLAND, MD 21502
1
Baths
588 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.52 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$88K
$82K low$94K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$72,999 · Mar 23, 2023
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$87,698
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$70,158

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$486 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$62,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$46,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,033
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$62,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.62
94
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
48
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.66 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyALLEGANY
Lot (acres)The size of the land the home sits on, from county records.0.52
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 36 ft²Shed · 120 ft²Porch · 114 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
John Humbird Elementary SchoolB-
Elementary · Grades PK–5 · 0.2 mi
M
Washington Middle SchoolD+
Middle · Grades 6–8 · 1.6 mi
H
Fort Hill High SchoolB-
High · Grades 9–12 · 1.8 mi

District: Allegany County Public Schools

Neighborhood · ZIP 21502These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.36

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.41,109
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.436 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,358
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,957
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 E Roberts St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 80% of homes in Cumberland 21502
  • Costs more per square foot than 76% of homes in Allegany County
  • Among the smallest homes in Cumberland 21502
  • Has a bigger lot than 79% of homes in Cumberland 21502
  • Older than 85% of homes in Allegany County

What homes are worth in Cumberland 21502

Each bar is how many homes fall in that price range. The marker is this home.

This home
$35K$462K

This home is worth more than 20% of homes in Cumberland 21502.

How it measures up in Cumberland 21502

The dot is this home. The mark in the middle is the typical home in Cumberland 21502.

Estimated value$87,698
CheaperTypical $147,895Pricier

Pricier than 20% of homes nearby

Price per ft²$149
CheaperTypical $113Pricier

Pricier than 75% of homes nearby

Living area588 ft²
SmallerTypical 1,364 ft²Bigger

Smaller than almost all homes nearby

Lot size0.52 ac
SmallerTypical 0.22 acBigger

Bigger than 79% of homes nearby

Year built1910
OlderTypical 1945Newer

Newer than 17% of homes nearby

How 109 E Roberts St ranks against every home in each area.
MeasureThis homeCumberland 21502Allegany County
Estimated valuepricier than$87,69820% of homes21% of homes
Price per ft²pricier than$14975% of homes76% of homes
Living areabigger than588 ft²almost no homesalmost no homes
Lot sizebigger than0.52 ac79% of homes69% of homes
Year builtnewer than191017% of homes15% of homes

About 109 E Roberts St

How much is 109 E Roberts St, Cumberland, MD worth?

The TopHap Estimate for 109 E Roberts St, Cumberland, MD is $87,698 as of Jul 14, 2026. The likely range is $81,811 to $93,585. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 E Roberts St, Cumberland, MD last sell?

109 E Roberts St, Cumberland, MD last sold on Mar 23, 2023 for $72,999, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 109 E Roberts St, Cumberland, MD?

109 E Roberts St, Cumberland, MD has 1 bathrooms, 588 square feet of living space and a 0.52-acre lot.

When was 109 E Roberts St, Cumberland, MD built?

109 E Roberts St, Cumberland, MD was built in 1910, making it 116 years old. The building has 1 story.

What schools serve 109 E Roberts St, Cumberland, MD?

109 E Roberts St, Cumberland, MD is assigned to John Humbird Elementary School (elementary), rated B-; Washington Middle School (middle), rated D+; Fort Hill High School (high), rated B-. All sit in Allegany County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 E Roberts St, Cumberland, MD compare to other homes in Cumberland 21502?

Among the 15,315 homes in Cumberland 21502, it is worth more than 20% of them ($87,698 against a typical $147,895), its price per square foot is higher than 75% of them ($149 against a typical $113), it is bigger than almost none of them (588 ft² against a typical 1,364 ft²), its lot is bigger than 79% of them (0.52 ac against a typical 0.22 ac) and it is newer than 17% of them (1910 against a typical 1945). Measured against all of Allegany County, it is worth more than 21% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 E Roberts St, Cumberland, MD?

The 2025 property tax bill for 109 E Roberts St, Cumberland, MD was $486. The county assessed it at $62,300.

Closest homes

More homes in Cumberland 21502

Assigned schools

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