Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$135,156$79 / 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 91How 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

210 RAY ST

CUMBERLAND, KY 40823
3
Beds
2
Baths
1,716 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.
3.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$135K
$123K low$147K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,654 (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.$95,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$85,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$95,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$95,000

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.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.minimal

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
CountyHarlan
Lot (acres)The size of the land the home sits on, from county records.3.17
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

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

E
Cumberland Elementary SchoolB-
Elementary · Grades PK–8 · 1.0 mi
H
Harlan County High SchoolC-
High · Grades 9–12 · 16.9 mi

District: Harlan County School District

Neighborhood · ZIP 40823These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.131
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.88

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.8.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.31%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.3,889
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.68 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$39,656
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$53,271
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Owner Tools

Do you own this home?
Claim this home

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

210 Ray 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 more than 87% of homes in Cumberland 40823
  • Costs more per square foot than 78% of homes in Cumberland 40823
  • Bigger than 80% of homes in Cumberland 40823
  • Has a bigger lot than 93% of homes in Cumberland 40823
  • Newer than 82% of homes in Cumberland 40823

What homes are worth in Cumberland 40823

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

This home
$29K$233K

This home is worth more than 87% of homes in Cumberland 40823.

How it measures up in Cumberland 40823

The dot is this home. The mark in the middle is the typical home in Cumberland 40823.

Estimated value$135,156
CheaperTypical $75,024Pricier

Pricier than 87% of homes nearby

Price per ft²$79
CheaperTypical $58Pricier

Pricier than 78% of homes nearby

Living area1,716 ft²
SmallerTypical 1,208 ft²Bigger

Bigger than 80% of homes nearby

Lot size3.17 ac
SmallerTypical 0.26 acBigger

Bigger than 93% of homes nearby

Year built1985
OlderTypical 1950Newer

Newer than 82% of homes nearby

How 210 Ray St ranks against every home in each area.
MeasureThis homeCumberland 40823Harlan County
Estimated valuepricier than$135,15687% of homes85% of homes
Price per ft²pricier than$7978% of homes76% of homes
Living areabigger than1,716 ft²80% of homes80% of homes
Lot sizebigger than3.17 ac93% of homes91% of homes
Year builtnewer than198582% of homes68% of homes

About 210 Ray St

How much is 210 Ray St, Cumberland, KY worth?

The TopHap Estimate for 210 Ray St, Cumberland, KY is $135,156 as of Sep 24, 2026. The likely range is $122,818 to $147,494. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 210 Ray St, Cumberland, KY?

210 Ray St, Cumberland, KY has 3 bedrooms, 2 bathrooms, 1,716 square feet of living space and a 3.17-acre lot.

When was 210 Ray St, Cumberland, KY built?

210 Ray St, Cumberland, KY was built in 1985, making it 41 years old. The building has 1 story.

What schools serve 210 Ray St, Cumberland, KY?

210 Ray St, Cumberland, KY is assigned to Cumberland Elementary School (elementary), rated B-; Harlan County High School (high), rated C-. All sit in Harlan County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 210 Ray St, Cumberland, KY compare to other homes in Cumberland 40823?

Among the 1,418 homes in Cumberland 40823, it is worth more than 87% of them ($135,156 against a typical $75,024), its price per square foot is higher than 78% of them ($79 against a typical $58), it is bigger than 80% of them (1,716 ft² against a typical 1,208 ft²), its lot is bigger than 93% of them (3.17 ac against a typical 0.26 ac) and it is newer than 82% of them (1985 against a typical 1950). Measured against all of Harlan County, it is worth more than 85% 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 210 Ray St, Cumberland, KY?

The 2025 property tax bill for 210 Ray St, Cumberland, KY was $1,654. The county assessed it at $95,000.

More homes on Ray St

Closest homes

More homes in Cumberland 40823

Assigned schools

Explore the area

See this home in context

Open 210 Ray St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map