12 Frederick Ln, Cumberland, RI 02864 Property Records

Cumberland Town property record for 12 Frederick Ln, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,468 sqft · built 1996
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$690,000 (Jun 2006)
Tax Bill	$8,963 (2026)
Deeds & Mortgages	Apr 2024 Transfer Jan 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8793-97`

Property Details

APN / Parcel Number

Primary APN	`8793-97`
Alternative APN	`CUMB M:023 B:0165 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	3,468 sqft Living Area
Gross Area	7,298 sqft
1st Floor Area	1,732 sqft
Basement Area	1,712 sqft
Unfinished Basement	1,712 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8793-97
Street Address	12 FREDERICK LN
City	CUMBERLAND
State	RI
Zip	02864-4231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	165
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1029
Census Tract	11404

Owner

12 Frederick Ln is owned and occupied by an individual who acquired it in February 2024.

Source: Cumberland Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	12 FREDERICK LN, CUMBERLAND, RI 02864-4231
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 29, 2024	Quit Claim Deed, Transfer Quitclaim
Jan 26, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Oct 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW AMERICAN FUNDING
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BK NA
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2006 · Amount on File
Deed Sale	Jun 12, 2006 · Amount on File
Prior Sale	Jun 12, 2006 · Amount on File
Deed Book / Page	1335 / 143
Last Transfer Date	Feb 21, 2024
Transfer Doc	001976-683
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 29, 2024
Property Address	12 FREDERICK LN, CUMBERLAND, RI 02864-4231
Document Number	001976-683
Book / Page	1976 / 683
Instrument Date	Feb 21, 2024
Instrument	143689
Transaction Type	Transfer
Record Updated	May 16, 2024

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
Address	12 FREDERICK LN, CUMBERLAND, RI 02864-4231

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 FREDERICK LN, CUMBERLAND, RI 02864-4231
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001971-526
Date	Jan 26, 2024
Book Page	1971/526
Instrument	142464

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2044

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 FREDERICK LN, CUMBERLAND, RI 02864-4231
Transaction Type	Mortgage
Record Updated	Nov 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1909-454
Date	Oct 19, 2021
Book Page	1909/454
Instrument	128330

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 FREDERICK LN, CUMBERLAND, RI 02864-4231
Document Number	1756-611
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 FREDERICK LN CUMBERLAND RI 028644231, CUMBERLAND, RI 02864-4231

Mortgage

Document Number	1756-611
Date	Oct 23, 2017
Book Page	001756/000611

Lender

Name	SANTANDER BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2047

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 FREDERICK LN, CUMBERLAND, RI 02864-4231
Document Number	1756-626
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 FREDERICK LN CUMBERLAND RI 028644231, CUMBERLAND, RI 02864-4231

Mortgage

Document Number	1756-626
Date	Oct 23, 2017
Book Page	001756/000626

Lender

Name	SANTANDER BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 12 Frederick Ln was $8,963, down 1% 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	$8,963.00 (-0.96%)	$895,400 (+21.39%) Land $244,900 Building $650,500	$893,542
2025	$9,050.00	$737,600 Land $181,100 Building $556,500
2023	$8,571.00 (-3.6%)	$737,600 (+24.36%) Land $181,100 Building $556,500
2022	$8,891.00	$593,100 Land $138,200 Building $454,900

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

Flood

FEMA maps place 12 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

No wildfire likelihood is modeled around 12 Frederick Ln, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no wildfire likelihood modeled here

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.

Nearby Properties on Frederick Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures