502 E Main St, Cumberland, OH 43732 Property Records

Guernsey County property record for 502 E Main St, Cumberland, OH 43732 · Last verified July 2026

Property Summary

Property Type	Commercial
Details	1 ba · 840 sqft
Lot Size	0.053 acres (2,310 sqft)
Owner	Company Name on File
Last Sale	$110,000 (Feb 2018)
Tax Bill	$904 (2025)
Deeds & Mortgages	May 2023 Mortgage Jan 2010 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`37-0000162.000`

Property Details

APN / Parcel Number

Primary APN	`37-0000162.000`
Alternative APN	`000965-9`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Total Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Lot Area	2,310 sqft (0.053 acres)
Lot Dimensions	165 ft deep x 14 ft wide
Porch	Slab

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	000965-9
Street Address	502 E MAIN ST
City	CUMBERLAND
State	OH
Zip	43732-9788
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	R10 T9 SS33-04 PT 57 B&W & PT VAC ALLEY
Legal Range	10W
Legal Township	09N
Legal Section	33
Legal Subdivision	BARTON AND WALLACES ADDITION
Legal Tract	9
Legal Lot Number	57
Jurisdiction	GUERNSEY OH
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3103
Census Tract	978000

Owner

Source: Guernsey County records · APN 37-0000162.000

Assessment roll updated March 3, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage THE COMMUNITY BANK
Jan 20, 2010	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK NA
May 22, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 21, 2018	Warranty Deed, Transfer · Line of Credit PEOPLES BANK
Aug 20, 2007	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 21, 2018 · Amount on Record
Deed Sale	Feb 21, 2018 · Amount on Record
Prior Sale	Aug 20, 2007 · Amount on Record
Deed Document Number	2018973
Deed Book / Page	554 / 3005
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788
Transaction Type	Mortgage
Record Updated	Mar 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788

Mortgage

Document Number	00589/4186
Date	May 12, 2023
Book Page	589/4186
Instrument	202300003054

Lender

Name	THE COMMUNITY BANK
Type	Bank
Address	ZANESVILLE, OH 43701

Agreement

Amount	Amount Recorded

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788
Transaction Type	Mortgage
Record Updated	Mar 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00468/2343
Date	Jan 20, 2010
Book Page	468/2343
Instrument	201000000268

Lender

Name	PEOPLES BANK NA
Type	Bank
Address	CAMBRIDGE, OH 43725

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	183 Months
Due	Apr 19, 2025

Interest

Rate Type	Adjustable Rate

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GUERNSEY OH
Recording Date	May 22, 2023
Property Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788
Document Number	00589/5182
Book / Page	589 / 5182
Instrument Date	May 17, 2023
Instrument	202300003263
Transaction Type	Transfer
Record Updated	Mar 06, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Feb 21, 2018
Property Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788
Document Number	00554/3005
Book / Page	554 / 3005
Instrument Date	Feb 15, 2018
Instrument	201800000973
Transaction Type	Transfer
Record Updated	Mar 06, 2026
Title Company	BENNETT TITLE AGENCY, BENHETT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788

Mortgage

Document Number	201800000974
Date	Feb 21, 2018
Instrument	201800000974

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 15, 2023

August 2007: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	GUERNSEY OH
Recording Date	Aug 20, 2007
Property Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788
Document Number	00451/0315
Book / Page	451 / 0315
Instrument Date	Mar 23, 2007
Instrument	200700022915
Transaction Type	Transfer
Record Updated	Mar 06, 2026

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Guernsey County records · Assessment roll updated March 3, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Spencer Township
Municipality	Cumberland Village
Unified School District	Rolling Hills Local School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$904.00	$16,368 (+0.01%) Land $997 Building $15,371
2024	$904.00 (+0.56%)	$16,367 (+1.33%) Land $999 Building $15,368	$46,766 (+1.34%) Land $2,850 Building $43,916
2023	$899.00 (-2.92%)	$16,152 (+0.01%) Land $784 Building $15,368
2022	$926.00	$16,150 Land $780 Building $15,370	$46,149 (-) Land $2,240 Building $43,909
2021			$46,149 Land $2,240 Building $43,909

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Guernsey County (39059C), updated August 16, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390599780003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004, other causes, Severe Storms And Flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 64% of Ohio
Wildfire Likelihood	About 1 in 4,545 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 116 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Uniti Group	DSL	200 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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