12 Lantern Ln, Cumberland, RI 02864 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,066 sqft · built 1974
Lot Size	0.576 acres (25,091 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jan 2012)
Tax Bill	$6,875 (2026)
Deeds & Mortgages	Sep 2022 Refinance Sep 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8994-21`

Property Details

APN / Parcel Number

Primary APN	`8994-21`
Alternative APN	`CUMB M:025 B:0484 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,066 sqft Living Area
Gross Area	4,006 sqft
1st Floor Area	1,148 sqft
Basement Area	918 sqft
Unfinished Basement	918 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,091 sqft (0.576 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8994-21
Street Address	12 LANTERN LN
City	CUMBERLAND
State	RI
Zip	02864-4249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	484
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1017
Census Tract	11404

Owner

12 Lantern Ln is owned and occupied by two individuals who bought it in January 2012.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	12 LANTERN LN, CUMBERLAND, RI 02864-4249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance RHODE ISLAND CREDIT UNION
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORP
Sep 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Sep 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Jun 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2012 · Amount on File
Deed Sale	Jan 31, 2012 · Amount on File
Deed Document Number	20125
Deed Book / Page	1558 / 715
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 LANTERN LN, CUMBERLAND, RI 02864-4249
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001941-846
Date	Sep 28, 2022
Book Page	1941/846
Instrument	135458

Lender

Name	RHODE ISLAND CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	145 Months
Due	Oct 1, 2034

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 LANTERN LN, CUMBERLAND, RI 02864-4249
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1904-619
Date	Sep 13, 2021
Book Page	1904/619
Instrument	127341

Lender

Name	BETTER MORTGAGE CORP

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 LANTERN LN, CUMBERLAND, RI 02864-4249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1855-724
Date	Sep 23, 2020
Book Page	1855/724
Instrument	117399

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 LANTERN LN, CUMBERLAND, RI 02864-4249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE&CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1813-810
Date	Sep 20, 2019
Book Page	1813/810

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2039

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 LANTERN LN, CUMBERLAND, RI 02864-4249
Document Number	1746-210
Book / Page	001746 / 000210
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LANTERN LN CUMBERLAND RI 028644249, CUMBERLAND, RI 02864-4249

Mortgage

Document Number	1746-210
Date	Jun 29, 2017
Book Page	001746/000210

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12 Lantern Ln was $6,875, up 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	$6,875.00 (+0.97%)	$686,800 (+23.77%) Land $281,300 Building $405,500	$700,762
2025	$6,809.00	$554,900 Land $203,300 Building $351,600
2023	$6,448.00 (+7.75%)	$554,900 (+39%) Land $203,300 Building $351,600
2022	$5,984.00	$399,200 Land $146,600 Building $252,600

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

Flood

FEMA maps place 12 Lantern Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	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

Wildfire risk around 12 Lantern Ln 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 93% of the US · lower than 77% 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.

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 235 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.

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