13 Arbor St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 13 Arbor St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,840 sqft · built 2007
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Nov 2007)
Tax Bill	$5,252 (2026)
Deeds & Mortgages	Mar 2026 Mortgage May 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8846-85`

Property Details

APN / Parcel Number

Primary APN	`8846-85`
Alternative APN	`CUMB M:052 B:0054 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
Gross Area	3,064 sqft
1st Floor Area	920 sqft
Basement Area	920 sqft
Unfinished Basement	920 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8846-85
Street Address	13 ARBOR ST
City	CUMBERLAND
State	RI
Zip	02864-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	54
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1011
Census Tract	11403

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	13 ARBOR ST, CUMBERLAND, RI 02864-1709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage NEW AMERICAN FUNDING
May 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK
Dec 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jul 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 8, 2020	Deed of Trust, Mortgage · ARM FREEDOM MORTGAGE CORP
Sep 23, 2019	Deed of Trust, Mortgage · FHA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2007 · Amount on Record
Deed Sale	Nov 30, 2007 · Amount on Record
Deed Book / Page	1407 / 143
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	13 ARBOR ST, CUMBERLAND, RI 02864-1709
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026-672
Date	Mar 30, 2026
Book Page	2026/672
Instrument	154297

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	13 ARBOR ST, CUMBERLAND, RI 02864-1709
Transaction Type	Mortgage
Record Updated	Jun 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001932-110
Date	May 24, 2022
Book Page	1932/110
Instrument	133234

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	13 ARBOR ST, CUMBERLAND, RI 02864-1709
Transaction Type	Mortgage
Record Updated	Jan 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001917-889
Date	Dec 29, 2021
Book Page	1917/889
Instrument	130112

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	13 ARBOR ST, CUMBERLAND, RI 02864-1709
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1848-21
Date	Jul 29, 2020
Book Page	1848/21
Instrument	115876

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	13 ARBOR ST, CUMBERLAND, RI 02864-1709
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1853-601
Date	Sep 8, 2020
Book Page	1853/601
Instrument	116973

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	13 ARBOR ST, CUMBERLAND, RI 02864-1709
Document Number	1817-151
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 ARBOR ST CUMBERLAND RI 028641709, CUMBERLAND, RI 02864-1709

Mortgage

Document Number	1817-151
Date	Oct 18, 2019
Book Page	001817/000151

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

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	$5,252.00 (+1.23%)	$524,700 (+24.1%) Land $197,000 Building $327,700	$563,588
2025	$5,188.00 (+5.6%)	$422,800 (-) Land $127,800 Building $295,000
2023	$4,913.00 (+2.04%)	$422,800 (+31.63%) Land $127,800 Building $295,000
2022	$4,815.00	$321,200 Land $100,400 Building $220,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Dec 2011 · 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

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.

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 375 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

May also be available: T-Mobile.

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