14 Cobblestone St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 14 Cobblestone St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,232 sqft · built 1990
Lot Size	0.586 acres (25,526 sqft)
Owner	2 Individual Names on File
Last Sale	$502,500 (Jul 2020)
Tax Bill	$7,462 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9990-49`

Property Details

APN / Parcel Number

Primary APN	`9990-49`
Alternative APN	`CUMB M:048 B:0036 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,232 sqft Living Area
Gross Area	4,668 sqft
1st Floor Area	1,368 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,526 sqft (0.586 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9990-49
Street Address	14 COBBLESTONE ST
City	CUMBERLAND
State	RI
Zip	02864-1621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	36
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1016
Census Tract	11402

Owner

14 Cobblestone St is owned and occupied by two individuals who bought it in July 2020.

Source: Cumberland Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14 COBBLESTONE ST, CUMBERLAND, RI 02864-1621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 9, 2020	Warranty Deed, Transfer · Conventional Mortgage SHAMROCK HM LNS
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2020 · Amount on File
Deed Sale	Jul 9, 2020 · Amount on File
Deed Document Number	2020115369
Deed Book / Page	1845 / 660
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	14 COBBLESTONE ST, CUMBERLAND, RI 02864-1621
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001944-445
Date	Nov 1, 2022
Book Page	1944/445
Instrument	136063

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jul 9, 2020
Property Address	14 COBBLESTONE ST, CUMBERLAND, RI 02864-1621
Document Number	1845-660
Book / Page	001845 / 000660
Instrument Date	Jul 8, 2020
Instrument	115369
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$503.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 COBBLESTONE ST CUMBERLAND RI 028641621, CUMBERLAND, RI 02864-1621

Mortgage

Document Number	1845-663
Date	Jul 9, 2020
Book Page	001845/000663
Instrument	115370

Lender

Name	SHAMROCK HM LNS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	14 COBBLESTONE ST, CUMBERLAND, RI 02864-1621
Document Number	1822-693
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 COBBLESTONE ST CUMBERLAND RI 028641621, CUMBERLAND, RI 02864-1621

Mortgage

Document Number	1822-693
Date	Dec 5, 2019
Book Page	001822/000693

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 14 Cobblestone St was $7,462, down 0.7% from the year before.

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	$7,462.00 (-0.71%)	$745,500 (+21.71%) Land $281,900 Building $463,600	$774,125
2025	$7,515.00	$612,500 Land $203,700 Building $408,800
2023	$7,117.00 (+2.68%)	$612,500 (+32.46%) Land $203,700 Building $408,800
2022	$6,931.00	$462,400 Land $146,900 Building $315,500

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

Flood

FEMA maps place 14 Cobblestone St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And 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

Wildfire risk around 14 Cobblestone St is low, with a 0.01% annual chance of 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 55 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cobblestone St

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