1 Frederick Ln, Cumberland, RI 02864 Property Records

Cumberland Town property record for 1 Frederick Ln, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,068 sqft · built 1998
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Nov 2023)
Tax Bill	$8,994 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-0017-74`

Property Details

APN / Parcel Number

Primary APN	`3-0017-74`
Alternative APNs	`CUMB M:023 B:0144 L:000` `167-83`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,068 sqft Living Area
Gross Area	5,739 sqft
1st Floor Area	1,657 sqft
Basement Area	1,647 sqft
Unfinished Basement	1,647 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3-0017-74
Street Address	1 FREDERICK LN
City	CUMBERLAND
State	RI
Zip	02864-4263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	144
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1029
Census Tract	11404

Owner

1 Frederick Ln is owned and occupied by two individuals who bought it in November 2023.

Source: Cumberland Town records, as of October 21, 2026

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	2 Individual Names on File
Mailing Address	1 FREDERICK LN, CUMBERLAND, RI 02864-4263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage RADIUS FINANCIAL GROUP
Jan 31, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP
Nov 20, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2023 · Amount on File
Deed Sale	Nov 20, 2023 · Amount on File
Prior Sale	Aug 27, 1998 · Amount on File
Deed Document Number	2023141540
Deed Book / Page	1967 / 931
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	1 FREDERICK LN, CUMBERLAND, RI 02864-4263
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022-416
Date	Jan 30, 2026
Book Page	2022/416
Instrument	153424

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	1 FREDERICK LN, CUMBERLAND, RI 02864-4263
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001971-616
Date	Jan 31, 2024
Book Page	1971/616
Instrument	142500

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Nov 20, 2023
Property Address	1 FREDERICK LN, CUMBERLAND, RI 02864-4263
Document Number	001967-931
Book / Page	1967 / 931
Instrument Date	Nov 20, 2023
Instrument	141540
Transaction Type	Transfer
Record Updated	Dec 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 FREDERICK LN, CUMBERLAND, RI 02864-4263

Mortgage

Document Number	0000141541
Date	Nov 20, 2023
Instrument	141541

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1 Frederick Ln was $8,994, down 5.3% from the year before.

Source: Cumberland Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Cumberland Town
Unified School District	Cumberland School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,994.00 (-5.34%)	$898,500 (+16.04%) Land $265,800 Building $632,700	$895,715
2025	$9,501.00	$774,300 Land $196,700 Building $577,600
2023	$8,997.00 (+10.61%)	$774,300 (+42.7%) Land $196,700 Building $577,600
2022	$8,134.00	$542,600 Land $150,100 Building $392,500

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

Flood

FEMA maps place 1 Frederick Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2021 · 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

Wildfire risk around 1 Frederick Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 83% of Rhode Island
Wildfire Likelihood	Under 0.01% 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	TOWN OF CUMBERLAND serves 21,235 people · EPA ID RI1647530
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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