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Single Family ResidenceResidential
$174,908$171 / 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 Jul 14, 2026
Last sold for $105,000 on Apr 25, 2019

45 E ROBERTS ST

CUMBERLAND, MD 21502
1.5
Baths
1,025 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1937
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
10
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$175K
$164K low$186K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$105,000 · Apr 25, 2019
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.$71,810
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$57,448
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.58%
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.$103,098
GUARANTY HM MTG CORP · recorded Apr 25, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,225 (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.$145,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$131,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$133,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$145,700

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
93
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.
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.63 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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.0.37
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
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.Patio · 200 ft²Porch · 184 ft²

Transaction History(2)

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
John Humbird Elementary SchoolB-
Elementary · Grades PK–5 · 0.2 mi
M
Washington Middle SchoolD+
Middle · Grades 6–8 · 1.6 mi
H
Fort Hill High SchoolB-
High · Grades 9–12 · 1.8 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.Owner occupied
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

45 E Roberts 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 87% of homes in Cumberland 21502
  • Smaller than 83% of homes in Cumberland 21502
  • Has a bigger lot than 69% 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$444K

This home is worth more than 63% 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$174,908
CheaperTypical $147,573Pricier

Pricier than 63% of homes nearby

Price per ft²$171
CheaperTypical $113Pricier

Pricier than 87% of homes nearby

Living area1,025 ft²
SmallerTypical 1,366 ft²Bigger

Bigger than 17% of homes nearby

Lot size0.37 ac
SmallerTypical 0.22 acBigger

Bigger than 69% of homes nearby

Year built1937
OlderTypical 1945Newer

Newer than 43% of homes nearby

How 45 E Roberts St ranks against every home in each area.
MeasureThis homeCumberland 21502Allegany County
Estimated valuepricier than$174,90863% of homes64% of homes
Price per ft²pricier than$17187% of homes86% of homes
Living areabigger than1,025 ft²17% of homes17% of homes
Lot sizebigger than0.37 ac69% of homes59% of homes
Year builtnewer than193743% of homes42% of homes

About 45 E Roberts St

How much is 45 E Roberts St, Cumberland, MD worth?

The TopHap Estimate for 45 E Roberts St, Cumberland, MD is $174,908 as of Jul 14, 2026. The likely range is $164,297 to $185,519. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 E Roberts St, Cumberland, MD last sell?

45 E Roberts St, Cumberland, MD last sold on Apr 25, 2019 for $105,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 45 E Roberts St, Cumberland, MD?

45 E Roberts St, Cumberland, MD has 1.5 bathrooms, 1,025 square feet of living space and a 0.37-acre lot.

When was 45 E Roberts St, Cumberland, MD built?

45 E Roberts St, Cumberland, MD was built in 1937, making it 89 years old. The building has 1 story.

What schools serve 45 E Roberts St, Cumberland, MD?

45 E Roberts St, Cumberland, MD is assigned to John Humbird Elementary School (elementary), rated B-; 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 45 E Roberts St, Cumberland, MD compare to other homes in Cumberland 21502?

Among the 15,315 homes in Cumberland 21502, it is worth more than 63% of them ($174,908 against a typical $147,573), its price per square foot is higher than 87% of them ($171 against a typical $113), it is bigger than 17% of them (1,025 ft² against a typical 1,366 ft²), its lot is bigger than 69% of them (0.37 ac against a typical 0.22 ac) and it is newer than 43% of them (1937 against a typical 1945). Measured against all of Allegany County, it is worth more than 64% 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 45 E Roberts St, Cumberland, MD?

The 2025 property tax bill for 45 E Roberts St, Cumberland, MD was $1,225. The county assessed it at $145,700.

Closest homes

More homes in Cumberland 21502

Assigned schools

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