11 Cargill Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 11 Cargill Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,504 sqft · built 1985
Lot Size	0.642 acres (27,966 sqft)
Owner	2 Individual Names on File
Last Sale	$516,500 (Feb 2019)
Tax Bill	$7,944 (2026)
Deeds & Mortgages	Oct 2021 Refinance Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9962-53`

Property Details

APN / Parcel Number

Primary APN	`9962-53`
Alternative APN	`CUMB M:017 B:0077 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,504 sqft Living Area
Gross Area	5,040 sqft
1st Floor Area	1,516 sqft
Basement Area	1,516 sqft
Unfinished Basement	1,516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,966 sqft (0.642 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	9962-53
Street Address	11 CARGILL RD
City	CUMBERLAND
State	RI
Zip	02864-6143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	77
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	3
Census Block	3000
Census Tract	11302

Owner

11 Cargill Rd is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	11 CARGILL RD, CUMBERLAND, RI 02864-6143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 29, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance PROVINCE MORTGAGE ASSOCIATES INC
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU
Aug 9, 2019	Deed of Trust, Mortgage · Conventional with PMI NAVIGANT CU
Feb 27, 2019	Trustee's Deed, Foreclosure · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2019 · Amount on File
Deed Sale	Feb 27, 2019 · Amount on File
Prior Sale	Dec 11, 2014 · Amount on File
Deed Book / Page	1795 / 628
Last Transfer Date	Oct 25, 2021
Transfer Doc	001910-670
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Oct 29, 2021
Property Address	11 CARGILL RD, CUMBERLAND, RI 02864-6143
Document Number	001910-670
Book / Page	1910 / 670
Instrument Date	Oct 25, 2021
Instrument	128592
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 CARGILL RD, CUMBERLAND, RI 02864-6143

Mortgage

Document Number	001910-672
Date	Oct 29, 2021
Book Page	1910/672
Instrument	128593

Lender

Name	PROVINCE MORTGAGE ASSOCIATES INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	11 CARGILL RD, CUMBERLAND, RI 02864-6143
Document Number	1815-328
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CARGILL RD CUMBERLAND RI 028646143, CUMBERLAND, RI 02864-6143

Mortgage

Document Number	1815-328
Date	Oct 2, 2019
Book Page	001815/000328

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	11 CARGILL RD, CUMBERLAND, RI 02864-6143
Document Number	1810-402
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CARGILL RD CUMBERLAND RI 028646143, CUMBERLAND, RI 02864-6143

Mortgage

Document Number	1810-402
Date	Aug 15, 2019
Book Page	001810/000402

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Feb 27, 2019
Property Address	11 CARGILL RD, CUMBERLAND, RI 02864-6143
Document Number	1795-628
Book / Page	001795 / 000628
Instrument Date	Feb 25, 2019
Transaction Type	Foreclosure
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$516.50
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 WAKEFIELD RD SHAVERTOWN PA 187089760, SHAVERTOWN, PA 18708-9760

Mortgage

Document Number	1795-630
Date	Feb 27, 2019
Book Page	001795/000630

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 11 Cargill Rd was $7,944, up 15.6% 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	$7,944.00 (+15.62%)	$793,600 (+41.71%) Land $314,500 Building $479,100	$799,247
2025	$6,871.00	$560,000 Land $144,900 Building $415,100
2023	$6,507.00 (-3.26%)	$560,000 (+24.8%) Land $144,900 Building $415,100
2022	$6,726.00	$448,700 Land $132,100 Building $316,600

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

Flood

FEMA maps place 11 Cargill Rd in Zone X, an area of minimal flood risk.

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	1 in force

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 11 Cargill Rd 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 80% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications.

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