Cumberland Town property record for 11 Hardwick St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,242 sqft · built 1958 |
| Lot Size | 0.453 acres (19,733 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (May 2025) |
| Tax Bill | $4,335 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage May 2022 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-0029-67 |
| Primary APN | 1-0029-67 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,242 sqft Living Area |
| Gross Area | 3,206 sqft |
| 1st Floor Area | 1,242 sqft |
| Basement Area | 1,242 sqft |
| Unfinished Basement | 1,242 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,733 sqft (0.453 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 1-0029-67 |
|---|---|
| Street Address | 11 HARDWICK ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-5409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 126 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 11301 |
11 Hardwick St is owned and occupied by an individual who bought it in May 2025.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 26, 2021 | Deed of Trust, Mortgage · Balloon Mortgage NAVEO CREDIT UNION |
| May 31, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION |
| Feb 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION |
| Jan 31, 2020 | Quit Claim Deed, Transfer · Stand-Alone Refinance NAVIGANT CREDIT UNION |
| Sep 7, 2018 | Quit Claim Deed, Transfer COASTWAY COMMERCIAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2025 · Amount on File |
| Deed Sale | May 23, 2025 · Amount on File |
| Prior Sale | Sep 7, 2018 · Amount on File |
| Deed Book / Page | 2002 / 558 |
| Prior Transfer Date | Jan 27, 2020 |
| Prior Transfer Doc | 1828000820 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 11 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001873-522 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 1873/522 |
| Instrument | 121044 |
| Name | NAVEO CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 11 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001932-549 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 1932/549 |
| Instrument | 133352 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 11 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001921-619 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 1921/619 |
| Instrument | 130945 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jan 31, 2020 |
| Property Address | 11 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 1828-820 |
| Book / Page | 1828 / 820 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 1828-823 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 1828/823 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Sep 7, 2018 |
| Property Address | 11 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 1783-155 |
| Book / Page | 1783 / 155 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33.86 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 17830158 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 01783/0158 |
| Name | COASTWAY COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 7, 2048 |
The 2026 property tax bill for 11 Hardwick St was $4,335, up 6.8% from the year before.
Source: Cumberland Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,335.00 (+6.8%) | $433,100 (+30.93%) Land $231,700 Building $201,400 | $457,166 |
| 2025 | $4,059.00 | $330,800 Land $153,000 Building $177,800 | |
| 2023 | $3,844.00 (+4.29%) | $330,800 (+34.53%) Land $153,000 Building $177,800 | |
| 2022 | $3,686.00 | $245,900 Land $107,000 Building $138,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Hardwick St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
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 Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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 risk around 11 Hardwick St 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 97% of the US · lower than 91% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 185 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 |
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