Cumberland Town property record for 14 Hardwick St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,560 sqft · built 1963 |
| Lot Size | 0.422 acres (18,382 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,100 (Jan 2017) |
| Tax Bill | $5,111 (2026) |
| Deeds & Mortgages | Feb 2022 Line of Credit Jul 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9215-11 |
| Primary APN | 9215-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 3,360 sqft |
| 1st Floor Area | 1,560 sqft |
| Basement Area | 1,560 sqft |
| Unfinished Basement | 1,560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,382 sqft (0.422 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 9215-11 |
|---|---|
| Street Address | 14 HARDWICK ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-5415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 245 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 11301 |
14 Hardwick St is owned and occupied by two individuals who bought it in January 2017.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 HARDWICK ST, CUMBERLAND, RI 02864-5415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jul 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK |
| Jan 6, 2017 | Warranty Deed, Transfer ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2017 · Amount on File |
| Deed Sale | Jan 6, 2017 · Amount on File |
| Prior Sale | Aug 29, 2016 · Amount on File |
| Deed Book / Page | 1732 / 684 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 14 HARDWICK ST, CUMBERLAND, RI 02864-5415 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001922-792 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 1922/792 |
| Instrument | 131213 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 14 HARDWICK ST, CUMBERLAND, RI 02864-5415 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001844-914 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | 1844/914 |
| Instrument | 115215 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jan 6, 2017 |
| Property Address | 14 HARDWICK ST, CUMBERLAND, RI 02864-5415 |
| Document Number | 001732-684 |
| Book / Page | 1732 / 684 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35.34 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0017320686 |
|---|---|
| Date | Jan 6, 2017 |
| Instrument | 01732/0686 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 6, 2047 |
The 2026 property tax bill for 14 Hardwick St was $5,111, up 1.4% from the year before.
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,111.00 (+1.39%) | $510,600 (+24.29%) Land $230,100 Building $280,500 | $523,804 |
| 2025 | $5,041.00 | $410,800 Land $152,000 Building $258,800 | |
| 2023 | $4,773.00 (+3.72%) | $410,800 (+33.81%) Land $152,000 Building $258,800 | |
| 2022 | $4,602.00 | $307,000 Land $106,300 Building $200,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Hardwick 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 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 risk around 14 Hardwick St is low, with less than 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 98% of the US · lower than 94% 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.
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 185 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 |
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