905 E Main St, Cumberland, KY 40823 Property Records

Harlan County property record for 905 E Main St, Cumberland, KY 40823

Property Summary

Property Type	City, Municipal, Town, Village Owned (Exempt)
Details	2,350 sqft · built 1912
Lot Size	0.03 acres (1,307 sqft)
Owner	Company Name on Record
Flood Zone	Zone AE (high risk)
APN	`206-10-44-009.00`

Property Details

APN / Parcel Number

Primary APN	`206-10-44-009.00`
Alternative APN	`4432`

Interior

Stories	1 Story
Building Area	2,350 sqft Total Area

Exterior

Year Built	Built 1912
Exterior Material	Other
Roof Material	Tar & Gravel
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	4432
Street Address	905 E MAIN ST
City	CUMBERLAND
State	KY
Zip	40823-1713
Property Category	Public Works
Property Type	Public Works > City, Municipal, Town, Village Owned (Exempt)
Legal Description	COMMERCIAL LOT
Jurisdiction	HARLAN KY
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2028
Census Tract	970200

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	Company Name on Record
Occupancy	Owner Occupied
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	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$16,400 (-) Land $16,400	$16,400 (-) Land $16,400
2023	Additional exemption filed	$16,400 Land $16,400	$16,400 Land $16,400

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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	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

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

Wildfire Risk	Moderate above 56% of the US · above 77% of Kentucky
Wildfire Likelihood	0.1% 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 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