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Single Family ResidenceResidential
$57,287$80 / 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 74How 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 $50,000 on Mar 5, 2008

21 VALLEY ST

CUMBERLAND, MD 21502
1
Baths
720 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.
1,031 ft²
Lot SizeThe size of the land the home sits on, from county records.
1947
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$57K
$42K low$72K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$50,000 · Mar 5, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$330 (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.$39,000 (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.$37,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$36,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$39,000

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.61
87
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
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.108 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

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.0.02
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
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 · 144 ft²Porch · 144 ft²

Transaction History(1)

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 · 0.6 mi
H
Allegany High SchoolB-
High · Grades 9–12 · 1.4 mi
E
Cash Valley Elementary SchoolA+
Elementary · Grades PK–5 · 2.5 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

21 Valley 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 92% of homes in Cumberland 21502
  • Costs less per square foot than 74% of homes in Cumberland 21502
  • Smaller than 97% of homes in Cumberland 21502
  • Among the smallest lots 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
$35K$437K

This home is worth more than 8% 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$57,287
CheaperTypical $146,182Pricier

Pricier than 8% of homes nearby

Price per ft²$80
CheaperTypical $113Pricier

Pricier than 26% of homes nearby

Living area720 ft²
SmallerTypical 1,366 ft²Bigger

Bigger than 3% of homes nearby

Lot size1,031 ft²
SmallerTypical 0.22 acBigger

Smaller than almost all homes nearby

Year built1947
OlderTypical 1945Newer

Newer than 52% of homes nearby

How 21 Valley St ranks against every home in each area.
MeasureThis homeCumberland 21502Allegany County
Estimated valuepricier than$57,2878% of homes8% of homes
Price per ft²pricier than$8026% of homes29% of homes
Living areabigger than720 ft²3% of homes3% of homes
Lot sizebigger than1,031 ft²almost no homesalmost no homes
Year builtnewer than194752% of homes50% of homes

About 21 Valley St

How much is 21 Valley St, Cumberland, MD worth?

The TopHap Estimate for 21 Valley St, Cumberland, MD is $57,287 as of Sep 24, 2026. The likely range is $42,284 to $72,290. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Valley St, Cumberland, MD last sell?

21 Valley St, Cumberland, MD last sold on Mar 5, 2008 for $50,000, according to the county's recorded deed.

How big is 21 Valley St, Cumberland, MD?

21 Valley St, Cumberland, MD has 1 bathrooms, 720 square feet of living space and a 0.02-acre lot.

When was 21 Valley St, Cumberland, MD built?

21 Valley St, Cumberland, MD was built in 1947, making it 79 years old. The building has 1 story.

What schools serve 21 Valley St, Cumberland, MD?

21 Valley St, Cumberland, MD is assigned to Braddock Middle School (middle), rated B; Allegany High School (high), rated B-; Cash Valley 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 21 Valley St, Cumberland, MD compare to other homes in Cumberland 21502?

Among the 15,376 homes in Cumberland 21502, it is worth more than 8% of them ($57,287 against a typical $146,182), its price per square foot is higher than 26% of them ($80 against a typical $113), it is bigger than 3% of them (720 ft² against a typical 1,366 ft²), its lot is bigger than almost none of them (1,031 ft² against a typical 0.22 ac) and it is newer than 52% of them (1947 against a typical 1945). Measured against all of Allegany County, it is worth more than 8% 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 21 Valley St, Cumberland, MD?

The 2025 property tax bill for 21 Valley St, Cumberland, MD was $330. The county assessed it at $39,000.

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