2207 E Main St, Cumberland, KY 40823 Property Records

Harlan County property record for 2207 E Main St, Cumberland, KY 40823

Property Summary

Property Type	Commercial
Details	13,760 sqft · built 1957
Lot Size	0.789 acres (34,412 sqft)
Owner	Individual Name on Record
Tax Bill	$2,089 (2025)
Flood Zone	Zone AE (high risk)
APN	`206-30-09-002.00`

Property Details

APN / Parcel Number

Primary APN	`206-30-09-002.00`
Alternative APN	`5868`

Interior

Stories	1 Story
Building Area	13,760 sqft Total Area

Exterior

Year Built	Built 1957
Exterior Material	Concrete Block
Construction Type	Concrete
Foundation Type	Concrete
Roof Material	Metal
Lot Area	34,412 sqft (0.789 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	5868
Street Address	2207 E MAIN ST
City	CUMBERLAND
State	KY
Zip	40823-1848
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	COMMERCIAL BUILDING & LOT
Jurisdiction	HARLAN KY
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2013
Census Tract	970100

Owner

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	Individual Name on Record
Mailing Address	PO BOX 431, HARLAN, KY 40831-0431
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000429733
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
Unified School District	Harlan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,089.00 (-0.43%)	$120,000 (-) Land $75,000 Building $45,000	$120,000 (-) Land $75,000 Building $45,000
2023	$2,098.00	$120,000 Land $75,000 Building $45,000	$120,000 Land $75,000 Building $45,000

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

Flood

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 Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1998 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 81% of Kentucky
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 69 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