12 Smith St, Cumberland, RI 02864 Property Records

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

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 2,507 sqft · built 1900
Lot Size	0.262 acres (11,413 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Dec 2021)
Tax Bill	$6,393 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jul 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-0013-93`

Property Details

APN / Parcel Number

Primary APN	`1-0013-93`
Alternative APN	`CUMB M:001 B:0132 L:000`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,507 sqft Living Area
Gross Area	4,435 sqft
1st Floor Area	1,270 sqft
Basement Area	1,270 sqft
Unfinished Basement	1,270 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,413 sqft (0.262 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1-0013-93
Street Address	12 SMITH ST
City	CUMBERLAND
State	RI
Zip	02864-8254
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	120
Legal Block	132
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2027
Census Tract	11200

Owner

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	Individual Name on Record
Mailing Address	10 JANET LN, MANSFIELD, MA 02048-2644
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Jul 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Oct 30, 2018	Warranty Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Oct 30, 2018 · Amount on Record
Deed Book / Page	1918 / 211
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Dec 30, 2021
Property Address	12 SMITH ST, CUMBERLAND, RI 02864-8254
Document Number	001918-211
Book / Page	1918 / 211
Instrument Date	Dec 30, 2021
Instrument	130180
Transaction Type	Transfer
Record Updated	Nov 20, 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
Address	10 JANET LN, SMITHFIELD, MA

Mortgage

Document Number	0000130181
Date	Dec 30, 2021
Instrument	130181

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	12 SMITH ST, CUMBERLAND, RI 02864-8254
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1848-259
Date	Jul 30, 2020
Book Page	1848/259
Instrument	115917

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Oct 30, 2018
Property Address	12 SMITH ST, CUMBERLAND, RI 02864-8254
Document Number	1787-278
Book / Page	1787 / 278
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.72
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17870279
Date	Oct 30, 2018
Instrument	01787/0279

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2048

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
2026	$6,393.00 (+15.19%)	$638,700 (+41.21%) Land $201,800 Building $436,900
2025	$5,550.00 (+5.59%)	$452,300 (-) Land $102,500 Building $349,800
2023	$5,256.00 (+14.06%)	$452,300 (+47.14%) Land $102,500 Building $349,800
2022	$4,608.00	$307,400 Land $75,100 Building $232,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1979–1987)
Most Recent Claim	Apr 1987 · river or lake 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 99.1% of the US · lower than 97.9% 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	PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 302 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Xfinity.

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