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Single Family ResidenceResidential
$121,431$34 / 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 83How 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

20 RACE ST

CUMBERLAND, MD 21502
2
Baths
3,544 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.
4,326 ft²
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$121K
$101K low$142K high
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.$96,431
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$77,145
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.19%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$25,000
CHESSIE FCU · R · recorded Sep 21, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$758 (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.$82,733 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$68,967
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$96,500

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
3
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.
84
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.Single Family Residence
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.0.10
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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 · 100 ft²Porch · 240 ft²

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

E
South Penn Elementary SchoolC-
Elementary · Grades PK–5 · 0.2 mi
M
Washington Middle SchoolD+
Middle · Grades 6–8 · 0.7 mi
H
Fort Hill High SchoolB-
High · Grades 9–12 · 0.7 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.Owner occupied
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

20 Race 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.

  • Costs less per square foot than 95% of homes in Cumberland 21502
  • Bigger than 98% of homes in Allegany County
  • Has a smaller lot than 85% of homes in Allegany County
  • Older than 90% 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
$37K$475K

This home is worth more than 36% 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$121,431
CheaperTypical $148,214Pricier

Pricier than 36% of homes nearby

Price per ft²$34
CheaperTypical $113Pricier

Pricier than 5% of homes nearby

Living area3,544 ft²
SmallerTypical 1,366 ft²Bigger

Bigger than 97% of homes nearby

Lot size4,326 ft²
SmallerTypical 0.22 acBigger

Bigger than 22% of homes nearby

Year built1900
OlderTypical 1945Newer

Newer than 11% of homes nearby

How 20 Race St ranks against every home in each area.
MeasureThis homeCumberland 21502Allegany County
Estimated valuepricier than$121,43136% of homes38% of homes
Price per ft²pricier than$345% of homes6% of homes
Living areabigger than3,544 ft²97% of homes98% of homes
Lot sizebigger than4,326 ft²22% of homes15% of homes
Year builtnewer than190011% of homes10% of homes

About 20 Race St

How much is 20 Race St, Cumberland, MD worth?

The TopHap Estimate for 20 Race St, Cumberland, MD is $121,431 as of Jul 14, 2026. The likely range is $100,775 to $142,087. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Race St, Cumberland, MD last sell?

20 Race St, Cumberland, MD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20 Race St, Cumberland, MD?

20 Race St, Cumberland, MD has 2 bathrooms, 3,544 square feet of living space and a 0.10-acre lot.

When was 20 Race St, Cumberland, MD built?

20 Race St, Cumberland, MD was built in 1900, making it 126 years old. It is a townhouse home. The building has 2 stories.

What schools serve 20 Race St, Cumberland, MD?

20 Race St, Cumberland, MD is assigned to South Penn Elementary School (elementary), rated C-; 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 20 Race St, Cumberland, MD compare to other homes in Cumberland 21502?

Among the 15,315 homes in Cumberland 21502, it is worth more than 36% of them ($121,431 against a typical $148,214), its price per square foot is higher than 5% of them ($34 against a typical $113), it is bigger than 97% of them (3,544 ft² against a typical 1,366 ft²), its lot is bigger than 22% of them (4,326 ft² against a typical 0.22 ac) and it is newer than 11% of them (1900 against a typical 1945). Measured against all of Allegany County, it is worth more than 38% 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 20 Race St, Cumberland, MD?

The 2025 property tax bill for 20 Race St, Cumberland, MD was $758. The county assessed it at $82,733.

More homes on Race St

Closest homes

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Assigned schools

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