12 Cobblestone St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 12 Cobblestone St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,327 sqft · built 1991
Lot Size	0.602 acres (26,223 sqft)
Owner	2 Individual Names on Record
Last Sale	$156,000 (Jun 1991)
Tax Bill	$8,881 (2025)
Deeds & Mortgages	Feb 2021 Refinance Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-2158-00`

Property Details

APN / Parcel Number

Primary APN	`13-2158-00`
Alternative APN	`CUMB M:048 B:0035 L:000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,327 sqft Living Area
Gross Area	5,436 sqft
1st Floor Area	1,736 sqft
Basement Area	1,736 sqft
Unfinished Basement	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,223 sqft (0.602 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13-2158-00
Street Address	12 COBBLESTONE ST
City	CUMBERLAND
State	RI
Zip	02864-1639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	35
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1017
Census Tract	11402

Owner

Source: Cumberland Town records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 COBBLESTONE ST, CUMBERLAND, RI 02864-1639
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Apr 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK
Apr 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 1991 · Amount on Record
Deed Sale	Jun 25, 1991 · Amount on Record
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 COBBLESTONE ST, CUMBERLAND, RI 02864-1639
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1878-350
Date	Feb 26, 2021
Book Page	1878/350
Instrument	122019

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 COBBLESTONE ST, CUMBERLAND, RI 02864-1639
Document Number	1771-627
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 COBBLESTONE ST CUMBERLAND RI 028641639, CUMBERLAND, RI 02864-1639

Mortgage

Document Number	1771-627
Date	Apr 30, 2018
Book Page	001771/000627

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 COBBLESTONE ST, CUMBERLAND, RI 02864-1639
Document Number	1741-87
Book / Page	001741 / 000087
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1741-87
Date	May 3, 2017
Book Page	001741/000087

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$8,881.00 (+5.59%)	$723,800 (-) Land $204,400 Building $519,400
2023	$8,411.00 (+3.13%)	$723,800 (+33.03%) Land $204,400 Building $519,400
2022	$8,156.00	$544,100 Land $147,400 Building $396,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 (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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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