12 Mill Stream Dr, Cumberland, RI 02864 Property Records

Cumberland Town property record for 12 Mill Stream Dr, Cumberland, RI 02864

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,650 sqft · built 2016
Owner	2 Individual Names on Record
Last Sale	$550,000 (Jul 2025)
Tax Bill	$5,790 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9193-41`

Property Details

APN / Parcel Number

Primary APN	`9193-41`
Alternative APN	`CUMB M:015 B:0139 L:012`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,650 sqft Living Area
Gross Area	2,883 sqft
1st Floor Area	825 sqft
Basement Area	825 sqft
Unfinished Basement	825 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9193-41
Street Address	12 MILL STREAM DR
City	CUMBERLAND
State	RI
Zip	02864-5425
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	100
Legal Block	139
Legal Lot Number	12
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2017
Census Tract	11301

Owner

Source: Cumberland Town records, as of October 21, 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 MILL STREAM DR, CUMBERLAND, RI 02864-5425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2025 · Amount on Record
Deed Sale	Jul 24, 2025 · Amount on Record
Prior Sale	Aug 26, 2016 · Amount on Record
Deed Book / Page	2007 / 31
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jul 24, 2025
Property Address	12 MILL STREAM DR, CUMBERLAND, RI 02864-5425
Document Number	0002007-31
Book / Page	2007 / 31
Instrument Date	Jul 23, 2025
Instrument	150317
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 MILL STREAM DR, CUMBERLAND, RI 02864-5425

Mortgage

Document Number	0000150318
Date	Jul 24, 2025
Instrument	150318

Lender

Name	CMG HOME LOANS

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

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	Assessed Market Value
2026	$5,790.00 (+9.06%)	$578,400 (+33.67%) Building $578,400	$563,152
2025	$5,309.00 (+5.59%)	$432,700 (-) Building $432,700
2023	$5,028.00 (+2.42%)	$432,700 (+32.12%) Building $432,700
2022	$4,909.00	$327,500 Building $327,500

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	10 (1979–2023)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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 95% of the US · lower than 85% 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 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