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Single Family ResidenceResidential
$116,459$74 / 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 94How 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 $87,750 on Mar 4, 2016

401 VALLEY ST

CUMBERLAND, MD 21502
2
Baths
1,580 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.
4,151 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

$116K
$109K low$124K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$87,750 · Mar 4, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$915 (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.$104,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$97,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$99,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$104,200

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
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
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.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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 · 324 ft²

Transaction History(4)

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 · 0.5 mi
E
Northeast Elementary SchoolB+
Elementary · Grades PK–5 · 1.4 mi
H
Allegany High SchoolB-
High · Grades 9–12 · 1.5 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

401 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 66% of homes in Cumberland 21502
  • Costs less per square foot than 78% of homes in Cumberland 21502
  • Bigger than 65% of homes in Cumberland 21502
  • Has a smaller lot than 86% 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
$36K$454K

This home is worth more than 34% 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$116,459
CheaperTypical $147,605Pricier

Pricier than 34% of homes nearby

Price per ft²$74
CheaperTypical $113Pricier

Pricier than 22% of homes nearby

Living area1,580 ft²
SmallerTypical 1,363 ft²Bigger

Bigger than 65% of homes nearby

Lot size4,151 ft²
SmallerTypical 0.22 acBigger

Bigger than 20% of homes nearby

Year built1900
OlderTypical 1944Newer

Newer than 11% of homes nearby

How 401 Valley St ranks against every home in each area.
MeasureThis homeCumberland 21502Allegany County
Estimated valuepricier than$116,45934% of homes35% of homes
Price per ft²pricier than$7422% of homes25% of homes
Living areabigger than1,580 ft²65% of homes63% of homes
Lot sizebigger than4,151 ft²20% of homes14% of homes
Year builtnewer than190011% of homes10% of homes

About 401 Valley St

How much is 401 Valley St, Cumberland, MD worth?

The TopHap Estimate for 401 Valley St, Cumberland, MD is $116,459 as of Sep 24, 2026. The likely range is $109,274 to $123,644. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 401 Valley St, Cumberland, MD last sell?

401 Valley St, Cumberland, MD last sold on Mar 4, 2016 for $87,750, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 401 Valley St, Cumberland, MD?

401 Valley St, Cumberland, MD has 2 bathrooms, 1,580 square feet of living space and a 0.10-acre lot.

When was 401 Valley St, Cumberland, MD built?

401 Valley St, Cumberland, MD was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 401 Valley St, Cumberland, MD?

401 Valley St, Cumberland, MD is assigned to Braddock Middle School (middle), rated B; Northeast Elementary School (elementary), rated B+; Allegany 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 401 Valley St, Cumberland, MD compare to other homes in Cumberland 21502?

Among the 15,376 homes in Cumberland 21502, it is worth more than 34% of them ($116,459 against a typical $147,605), its price per square foot is higher than 22% of them ($74 against a typical $113), it is bigger than 65% of them (1,580 ft² against a typical 1,363 ft²), its lot is bigger than 20% of them (4,151 ft² against a typical 0.22 ac) and it is newer than 11% of them (1900 against a typical 1944). Measured against all of Allegany County, it is worth more than 35% 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 401 Valley St, Cumberland, MD?

The 2025 property tax bill for 401 Valley St, Cumberland, MD was $915. The county assessed it at $104,200.

More homes on Valley St

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Assigned schools

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