Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$139,748$50 / 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 88How 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

45 SOUTH ST

CUMBERLAND, MD 21502
2
Baths
2,772 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$140K
$122K low$157K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$983 (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.$123,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$112,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$107,233
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$123,600

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
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyALLEGANY
Lot (acres)The size of the land the home sits on, from county records.0.13
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Baseboard
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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 · 288 ft²Porch · 504 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 · 0.1 mi
M
Washington Middle SchoolC-
Middle · Grades 6–8 · 0.6 mi
H
Fort Hill High SchoolC
High · Grades 9–12 · 0.7 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%

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

45 South 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 less per square foot than 88% of homes in Allegany County
  • Bigger than 94% of homes in Cumberland 21502
  • Has a smaller lot than 77% of homes in Allegany County
  • Older than 66% 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$423K

This home is worth more than 47% 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$139,748
CheaperTypical $145,906Pricier

Pricier than 47% of homes nearby

Price per ft²$50
CheaperTypical $113Pricier

Pricier than 13% of homes nearby

Living area2,772 ft²
SmallerTypical 1,368 ft²Bigger

Bigger than 94% of homes nearby

Lot size0.13 ac
SmallerTypical 0.22 acBigger

Bigger than 32% of homes nearby

Year built1925
OlderTypical 1945Newer

Newer than 34% of homes nearby

How 45 South St ranks against every home in each area.
MeasureThis homeCumberland 21502Allegany County
Estimated valuepricier than$139,74847% of homes48% of homes
Price per ft²pricier than$5013% of homes12% of homes
Living areabigger than2,772 ft²94% of homes94% of homes
Lot sizebigger than0.13 ac32% of homes23% of homes
Year builtnewer than192534% of homes34% of homes

About 45 South St

How much is 45 South St, Cumberland, MD worth?

The TopHap Estimate for 45 South St, Cumberland, MD is $139,748 as of Sep 24, 2026. The likely range is $122,418 to $157,078. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 South St, Cumberland, MD last sell?

45 South St, Cumberland, MD last sold on Feb 27, 2008, according to the county's recorded deed.

How big is 45 South St, Cumberland, MD?

45 South St, Cumberland, MD has 2 bathrooms, 2,772 square feet of living space and a 0.13-acre lot.

When was 45 South St, Cumberland, MD built?

45 South St, Cumberland, MD was built in 1925, making it 101 years old. It is a townhouse home. The building has 2 stories.

What schools serve 45 South St, Cumberland, MD?

45 South St, Cumberland, MD is assigned to South Penn Elementary School (elementary), rated C-; Washington Middle School (middle), rated C-; Fort Hill High School (high), rated C. All sit in Allegany County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 South St, Cumberland, MD compare to other homes in Cumberland 21502?

Among the 15,376 homes in Cumberland 21502, it is worth more than 47% of them ($139,748 against a typical $145,906), its price per square foot is higher than 13% of them ($50 against a typical $113), it is bigger than 94% of them (2,772 ft² against a typical 1,368 ft²), its lot is bigger than 32% of them (0.13 ac against a typical 0.22 ac) and it is newer than 34% of them (1925 against a typical 1945). Measured against all of Allegany County, it is worth more than 48% 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 South St, Cumberland, MD?

The 2025 property tax bill for 45 South St, Cumberland, MD was $983. The county assessed it at $123,600.

More homes on South St

Closest homes

More homes in Cumberland 21502

Assigned schools

Explore the area

See this home in context

Open 45 South 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