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TownhouseResidential
$82,922$66 / 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 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $82,800 on Nov 14, 2025

120 INDEPENDENCE ST

CUMBERLAND, MD 21502
1.5
Baths
1,260 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.
1,132 ft²
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$83K
$70K low$96K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$82,800 · Nov 14, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$435 (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.$60,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$58,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$47,433
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$60,100

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.43
1
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.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyALLEGANY
Lot (acres)The size of the land the home sits on, from county records.0.03
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
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.Porch · 35 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.

M
Braddock Middle SchoolB
Middle · Grades 6–8 · 0.8 mi
H
Allegany High SchoolB-
High · Grades 9–12 · 1.8 mi
E
Parkside Elementary SchoolA
Elementary · Grades PK–5 · 3.6 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%

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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

120 Independence 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 82% of homes in Cumberland 21502
  • Costs less per square foot than 81% of homes in Cumberland 21502
  • Among the smallest lots in Cumberland 21502
  • Older than 96% of homes in Cumberland 21502

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
$36K$454K

This home is worth more than 18% 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$82,922
CheaperTypical $147,605Pricier

Pricier than 18% of homes nearby

Price per ft²$66
CheaperTypical $113Pricier

Pricier than 19% of homes nearby

Living area1,260 ft²
SmallerTypical 1,363 ft²Bigger

Bigger than 40% of homes nearby

Lot size1,132 ft²
SmallerTypical 0.22 acBigger

Smaller than almost all homes nearby

Year built1890
OlderTypical 1944Newer

Newer than 4% of homes nearby

How 120 Independence St ranks against every home in each area.
MeasureThis homeCumberland 21502Allegany County
Estimated valuepricier than$82,92218% of homes18% of homes
Price per ft²pricier than$6619% of homes20% of homes
Living areabigger than1,260 ft²40% of homes38% of homes
Lot sizebigger than1,132 ft²almost no homesalmost no homes
Year builtnewer than18904% of homes4% of homes

About 120 Independence St

How much is 120 Independence St, Cumberland, MD worth?

The TopHap Estimate for 120 Independence St, Cumberland, MD is $82,922 as of Sep 24, 2026. The likely range is $70,139 to $95,705. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 120 Independence St, Cumberland, MD last sell?

120 Independence St, Cumberland, MD last sold on Nov 14, 2025 for $82,800, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 120 Independence St, Cumberland, MD?

120 Independence St, Cumberland, MD has 1.5 bathrooms, 1,260 square feet of living space and a 0.03-acre lot.

When was 120 Independence St, Cumberland, MD built?

120 Independence St, Cumberland, MD was built in 1890, making it 136 years old. It is a townhouse home. The building has 2 stories.

What schools serve 120 Independence St, Cumberland, MD?

120 Independence St, Cumberland, MD is assigned to Braddock Middle School (middle), rated B; Allegany High School (high), rated B-; Parkside Elementary School (elementary), rated A. All sit in Allegany County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Independence St, Cumberland, MD compare to other homes in Cumberland 21502?

Among the 15,376 homes in Cumberland 21502, it is worth more than 18% of them ($82,922 against a typical $147,605), its price per square foot is higher than 19% of them ($66 against a typical $113), it is bigger than 40% of them (1,260 ft² against a typical 1,363 ft²), its lot is bigger than almost none of them (1,132 ft² against a typical 0.22 ac) and it is newer than 4% of them (1890 against a typical 1944). Measured against all of Allegany County, it is worth more than 18% 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 120 Independence St, Cumberland, MD?

The 2025 property tax bill for 120 Independence St, Cumberland, MD was $435. The county assessed it at $60,100.

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