Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$51,423$43 / 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 67How 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
Last sold for $8,000 on Apr 18, 2017

317 RACE ST

CUMBERLAND, MD 21502
2
Baths
1,208 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.
2,060 ft²
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$51K
$34K low$68K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$8,000 · Apr 18, 2017
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.$44,423
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$35,538
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.14%
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.$7,000
JERRY FREELAND · recorded Apr 18, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$323 (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.$35,233 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$32,467
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$38,000

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.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
CountyALLEGANY
Lot (acres)The size of the land the home sits on, from county records.0.05
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.Composition Shingle
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.Porch · 116 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.

E
South Penn Elementary SchoolC-
Elementary · Grades PK–5 · 0.3 mi
M
Washington Middle SchoolD+
Middle · Grades 6–8 · 0.8 mi
H
Fort Hill High SchoolB-
High · Grades 9–12 · 1.0 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.Absentee owner
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

317 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.

  • Worth less than 94% of homes in Cumberland 21502
  • Costs less per square foot than 91% of homes in Cumberland 21502
  • Smaller than 67% of homes in Allegany County
  • Has a smaller lot than 97% of homes in Allegany County
  • Older than 72% 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
$34K$455K

This home is worth more than 6% 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$51,423
CheaperTypical $147,263Pricier

Pricier than 6% of homes nearby

Price per ft²$43
CheaperTypical $113Pricier

Pricier than 9% of homes nearby

Living area1,208 ft²
SmallerTypical 1,368 ft²Bigger

Bigger than 34% of homes nearby

Lot size2,060 ft²
SmallerTypical 0.22 acBigger

Bigger than 5% of homes nearby

Year built1920
OlderTypical 1945Newer

Newer than 28% of homes nearby

How 317 Race St ranks against every home in each area.
MeasureThis homeCumberland 21502Allegany County
Estimated valuepricier than$51,4236% of homes6% of homes
Price per ft²pricier than$439% of homes9% of homes
Living areabigger than1,208 ft²34% of homes33% of homes
Lot sizebigger than2,060 ft²5% of homes3% of homes
Year builtnewer than192028% of homes28% of homes

About 317 Race St

How much is 317 Race St, Cumberland, MD worth?

The TopHap Estimate for 317 Race St, Cumberland, MD is $51,423 as of Jul 14, 2026. The likely range is $34,353 to $68,493. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 317 Race St, Cumberland, MD last sell?

317 Race St, Cumberland, MD last sold on Apr 18, 2017 for $8,000, according to the county's recorded deed.

How big is 317 Race St, Cumberland, MD?

317 Race St, Cumberland, MD has 2 bathrooms, 1,208 square feet of living space and a 0.05-acre lot.

When was 317 Race St, Cumberland, MD built?

317 Race St, Cumberland, MD was built in 1920, making it 106 years old. The building has 2 stories.

What schools serve 317 Race St, Cumberland, MD?

317 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 317 Race St, Cumberland, MD compare to other homes in Cumberland 21502?

Among the 15,315 homes in Cumberland 21502, it is worth more than 6% of them ($51,423 against a typical $147,263), its price per square foot is higher than 9% of them ($43 against a typical $113), it is bigger than 34% of them (1,208 ft² against a typical 1,368 ft²), its lot is bigger than 5% of them (2,060 ft² against a typical 0.22 ac) and it is newer than 28% of them (1920 against a typical 1945). Measured against all of Allegany County, it is worth more than 6% 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 317 Race St, Cumberland, MD?

The 2025 property tax bill for 317 Race St, Cumberland, MD was $323. The county assessed it at $35,233.

Closest homes

More homes in Cumberland 21502

Assigned schools

Explore the area

See this home in context

Open 317 Race 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