10 Arbor St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 10 Arbor St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,592 sqft · built 2008
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Nov 2025)
Tax Bill	$4,984 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Nov 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-0012-28`

Property Details

APN / Parcel Number

Primary APN	`3-0012-28`
Alternative APNs	`CUMB M:052 B:0059 L:000` `8874-86`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,592 sqft Living Area
Gross Area	2,732 sqft
1st Floor Area	684 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3-0012-28
Street Address	10 ARBOR ST
City	CUMBERLAND
State	RI
Zip	02864-1710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	59
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1011
Census Tract	11403

Owner

10 Arbor St is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	10 ARBOR ST, CUMBERLAND, RI 02864-1710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Quit Claim Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE
Nov 9, 2022	Quit Claim Deed, Transfer
Sep 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVOY MORTGAGE LTD
Mar 21, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2025 · Amount on File
Deed Sale	Nov 13, 2025 · Amount on File
Prior Sale	Nov 9, 2022 · Amount on File
Deed Book / Page	2015 / 561
Transfer Doc	1768-229
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Nov 13, 2025
Property Address	10 ARBOR ST, CUMBERLAND, RI 02864-1710
Document Number	002015-561
Book / Page	2015 / 561
Instrument Date	Nov 10, 2025
Instrument	2025152116
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ARBOR ST, CUMBERLAND, RI 02864-1710

Mortgage

Document Number	0000152117
Date	Nov 13, 2025
Instrument	152117

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Nov 9, 2022
Property Address	10 ARBOR ST, CUMBERLAND, RI 02864-1710
Document Number	00001945-1
Book / Page	1945 / 1
Instrument Date	Nov 2, 2022
Instrument	136187
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	10 ARBOR ST, CUMBERLAND, RI 02864-1710
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1856-614
Date	Sep 28, 2020
Book Page	1856/614
Instrument	117574

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Mar 21, 2018
Property Address	10 ARBOR ST, CUMBERLAND, RI 02864-1710
Document Number	1768-229
Book / Page	1768 / 229
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Tax	$44.63
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 10 Arbor St was $4,984, up 2.2% 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	$4,984.00 (+2.21%)	$497,900 (+25.29%) Land $178,400 Building $319,500	$529,616
2025	$4,876.00	$397,400 Land $115,800 Building $281,600
2023	$4,618.00 (-1.66%)	$397,400 (+26.84%) Land $115,800 Building $281,600
2022	$4,696.00	$313,300 Land $91,000 Building $222,300

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

Flood

FEMA maps place 10 Arbor St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Dec 2011 · 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 10 Arbor St is low, with 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 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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