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Single Family ResidenceResidential
$65,570$69 / 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 84How 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

212 RAY ST

CUMBERLAND, KY 40823
3
Beds
1
Baths
950 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.
1.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1974
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$66K
$55K low$76K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$696 (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.$40,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$35,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$40,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$40,000

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.51
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
39
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.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
CountyHarlan
Lot (acres)The size of the land the home sits on, from county records.1.11
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.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.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%

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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

212 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.

  • Costs more per square foot than 67% of homes in Cumberland 40823
  • Smaller than 74% of homes in Harlan County
  • Has a bigger lot than 83% of homes in Cumberland 40823
  • Newer than 70% 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 40% 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$65,570
CheaperTypical $75,024Pricier

Pricier than 40% of homes nearby

Price per ft²$69
CheaperTypical $58Pricier

Pricier than 67% of homes nearby

Living area950 ft²
SmallerTypical 1,208 ft²Bigger

Bigger than 27% of homes nearby

Lot size1.11 ac
SmallerTypical 0.26 acBigger

Bigger than 83% of homes nearby

Year built1974
OlderTypical 1950Newer

Newer than 70% of homes nearby

How 212 Ray St ranks against every home in each area.
MeasureThis homeCumberland 40823Harlan County
Estimated valuepricier than$65,57040% of homes43% of homes
Price per ft²pricier than$6967% of homes66% of homes
Living areabigger than950 ft²27% of homes26% of homes
Lot sizebigger than1.11 ac83% of homes79% of homes
Year builtnewer than197470% of homes54% of homes

About 212 Ray St

How much is 212 Ray St, Cumberland, KY worth?

The TopHap Estimate for 212 Ray St, Cumberland, KY is $65,570 as of Sep 24, 2026. The likely range is $55,201 to $75,939. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 212 Ray St, Cumberland, KY?

212 Ray St, Cumberland, KY has 3 bedrooms, 1 bathrooms, 950 square feet of living space and a 1.11-acre lot.

When was 212 Ray St, Cumberland, KY built?

212 Ray St, Cumberland, KY was built in 1974, making it 52 years old. The building has 1 story.

What schools serve 212 Ray St, Cumberland, KY?

212 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 212 Ray St, Cumberland, KY compare to other homes in Cumberland 40823?

Among the 1,418 homes in Cumberland 40823, it is worth more than 40% of them ($65,570 against a typical $75,024), its price per square foot is higher than 67% of them ($69 against a typical $58), it is bigger than 27% of them (950 ft² against a typical 1,208 ft²), its lot is bigger than 83% of them (1.11 ac against a typical 0.26 ac) and it is newer than 70% of them (1974 against a typical 1950). Measured against all of Harlan County, it is worth more than 43% 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 212 Ray St, Cumberland, KY?

The 2025 property tax bill for 212 Ray St, Cumberland, KY was $696. The county assessed it at $40,000.

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