Harlan County property record for 1302 E Main St, Cumberland, KY 40823
| Property Type | Commercial |
|---|---|
| Details | 26,250 sqft · built 1980 |
| Lot Size | 1.54 acres (67,082 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,335 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 206-10-22-006.01 |
| Primary APN | 206-10-22-006.01 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 26,250 sqft Total Area |
| Year Built | Built 1980 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Steel Frame |
| Foundation Type | Concrete |
| Roof Material | Tar & Gravel |
| Lot Area | 67,082 sqft (1.54 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 13069 |
|---|---|
| Street Address | 1302 E MAIN ST |
| City | CUMBERLAND |
| State | KY |
| Zip | 40823-1722 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | COMMERCIAL & LOT |
| Jurisdiction | HARLAN KY |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 970200 |
Source: Harlan County records, as of October 27, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 481, CUMBERLAND, KY 40823-0481 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000423606 |
| Record Updated | Jun 8, 2026 |
Source: Harlan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Harlan County |
| Municipality | Cumberland City |
| Unified School District | Harlan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,335.00 (-0.46%) | $249,000 (-) Land $125,000 Building $124,000 | $249,000 (-) Land $125,000 Building $124,000 |
| 2023 | $4,355.00 | $249,000 Land $125,000 Building $124,000 | $249,000 Land $125,000 Building $124,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 17, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 23 (1978–2015) |
| Claims Outside the SFHA | 10 of 23 |
| Most Recent Claim | Mar 2015 · Severe Winter Storm, Snowstorm, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · above 79% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CUMBERLAND MUNICIPAL WATER WORKS serves 2,843 people · EPA ID KY0480092 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Turbidity resolved · Jul 2020 Haloacetic acids resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Access Cable Fiber · Cable | 2,000 / 2,000 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
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