Cumberland Town property record for 12 Ryder Ln, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,164 sqft · built 1968 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Jul 2023) |
| Tax Bill | $6,854 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-0015-95 |
| Primary APN | 3-0015-95 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,164 sqft Living Area |
| Gross Area | 4,012 sqft |
| 1st Floor Area | 1,192 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,985 sqft (0.344 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3-0015-95 |
|---|---|
| Street Address | 12 RYDER LN |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-4255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 292 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 11404 |
Source: Cumberland Town records · APN 3-0015-95
Assessment roll updated June 22, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 12 RYDER LN, CUMBERLAND, RI 02864-4255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage BAYCOAST MORTGAGE COMPANY |
| Oct 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU |
| Sep 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU |
| Jul 20, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 24, 2023 · Amount on Record |
| Deed Sale | Jul 24, 2023 · Amount on Record |
| Deed Book / Page | 1960 / 674 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jul 24, 2023 |
| Property Address | 12 RYDER LN, CUMBERLAND, RI 02864-4255 |
| Document Number | 001960-674 |
| Book / Page | 1960 / 674 |
| Instrument Date | Jul 24, 2023 |
| Instrument | 139814 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 RYDER LN, CUMBERLAND, RI 02864-4255 |
| Document Number | 0000139815 |
|---|---|
| Date | Jul 24, 2023 |
| Instrument | 139815 |
| Name | BAYCOAST MORTGAGE COMPANY |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 12 RYDER LN, CUMBERLAND, RI 02864-4255 |
| Document Number | 1818-474 |
| Instrument Date | Oct 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12 RYDER LN CUMBERLAND RI 028644255, CUMBERLAND, RI 02864-4255 |
| Document Number | 1818-474 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | 001818/000474 |
| Name | PAWTUCKET CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 29, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 12 RYDER LN, CUMBERLAND, RI 02864-4255 |
| Document Number | 1785-12 |
| Instrument Date | Sep 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 12 RYDER LN CUMBERLAND RI 028644255, CUMBERLAND, RI 02864-4255 |
| Document Number | 1785-12 |
|---|---|
| Date | Oct 02, 2018 |
| Book Page | 001785/000012 |
| Name | PAWTUCKET CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 01, 2043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jul 20, 2018 |
| Property Address | 12 RYDER LN, CUMBERLAND, RI 02864-4255 |
| Document Number | 1778-796 |
| Book / Page | 001778 / 000796 |
| Instrument Date | Jul 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 RYDER LN CUMBERLAND RI 028644255, CUMBERLAND, RI 02864-4255 |
Source: Cumberland Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,854.00 (+5.59%) | $558,600 (-) Land $193,200 Building $365,400 |
| 2023 | $6,491.00 (+3.77%) | $558,600 (+33.86%) Land $193,200 Building $365,400 |
| 2022 | $6,255.00 | $417,300 Land $139,200 Building $278,100 |
Source: FEMA National Flood Hazard Layer as of June 22, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
May also be available: Xfinity.
Based on FCC filings for 168 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF CUMBERLAND serves 21,235 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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