Cumberland Town property record for 12 Spring St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,560 sqft · built 2003 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $309,000 (May 2019) |
| Tax Bill | $4,610 (2025) |
| Deeds & Mortgages | Oct 2022 Refinance May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9964-16 |
| Primary APN | 9964-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 2,440 sqft |
| 1st Floor Area | 780 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 9964-16 |
|---|---|
| Street Address | 12 SPRING ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-1822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 276 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 11403 |
Source: Cumberland Town records, as of June 22, 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 SPRING ST, CUMBERLAND, RI 02864-1822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 31, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE BANK |
| May 16, 2019 | Warranty Deed, Transfer · FHA Mortgage HARBORONE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2019 · Amount on Record |
| Deed Sale | May 16, 2019 · Amount on Record |
| Prior Sale | Jun 16, 2005 · Amount on Record |
| Deed Book / Page | 1801 / 323 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 12 SPRING ST, CUMBERLAND, RI 02864-1822 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001944-221 |
|---|---|
| Date | Oct 31, 2022 |
| Book Page | 1944/221 |
| Instrument | 136016 |
| Name | HARBORONE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | May 16, 2019 |
| Property Address | 12 SPRING ST, CUMBERLAND, RI 02864-1822 |
| Document Number | 1801-323 |
| Book / Page | 1801 / 323 |
| Instrument Date | Apr 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 1801325 |
|---|---|
| Date | May 16, 2019 |
| Instrument | 1801/325 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cumberland Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,610.00 (+5.59%) | $375,700 (-) Land $125,400 Building $250,300 |
| 2023 | $4,366.00 (+4.32%) | $375,700 (+34.56%) Land $125,400 Building $250,300 |
| 2022 | $4,185.00 | $279,200 Land $87,700 Building $191,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective June 22, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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