201 Central St, Cumberland, KY 40823 Property Records

Harlan County property record for 201 Central St, Cumberland, KY 40823

Property Summary

Property Type	Single Family Home
Lot Size	0.08 acres (3,485 sqft)
Owner	Company Name on File
Flood Zone	Zone AE (high risk)
APN	`206-10-19-003.00`

Property Details

APN / Parcel Number

Primary APN	`206-10-19-003.00`
Alternative APN	`4234`

Exterior

Lot Area	3,485 sqft (0.08 acres)

Location & Zoning

Account Number	4234
Street Address	201 CENTRAL ST
City	CUMBERLAND
State	KY
Zip	40823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	HARLAN KY
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2025
Census Tract	970200

Owner

201 Central St, a single family home, is owned by a company.

Source: Harlan County records, as of October 27, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

Source: Harlan County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Harlan County
Municipality	Cumberland City
Unified School District	Harlan County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$19,700 Land $5,000 Building $14,700	$19,700 Land $5,000 Building $14,700
2023	$19,700 Land $5,000 Building $14,700	$19,700 Land $5,000 Building $14,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 201 Central St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 17, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	Severe Storms And Flooding, Mar 2002 · 2 claims

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.

Wildfire

Wildfire risk around 201 Central St is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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