15 Cobblestone St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 15 Cobblestone St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1990
Lot Size	0.578 acres (25,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Apr 2006)
Tax Bill	$6,086 (2026)
Deeds & Mortgages	Nov 2021 Refinance Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8790-31`

Property Details

APN / Parcel Number

Primary APN	`8790-31`
Alternative APN	`CUMB M:048 B:0029 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,592 sqft
1st Floor Area	864 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	25,178 sqft (0.578 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	8790-31
Street Address	15 COBBLESTONE ST
City	CUMBERLAND
State	RI
Zip	02864-1640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	29
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1018
Census Tract	11402

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	2 Individual Names on Record
Mailing Address	15 COBBLESTONE ST, CUMBERLAND, RI 02864-1640
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2006 · Amount on Record
Deed Sale	Apr 7, 2006 · Amount on Record
Prior Sale	Mar 12, 1993 · Amount on Record
Deed Book / Page	1324 / 789
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	15 COBBLESTONE ST, CUMBERLAND, RI 02864-1640
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1912-446
Date	Nov 12, 2021
Book Page	1912/446
Instrument	128941

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	15 COBBLESTONE ST, CUMBERLAND, RI 02864-1640
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1904-786
Date	Sep 13, 2021
Book Page	1904/786
Instrument	127387

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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	$6,086.00 (+1.6%)	$608,000 (+24.54%) Land $281,400 Building $326,600	$607,915
2025	$5,990.00 (+5.59%)	$488,200 (-) Land $203,400 Building $284,800
2023	$5,673.00 (-4.51%)	$488,200 (+23.19%) Land $203,400 Building $284,800
2022	$5,941.00	$396,300 Land $146,600 Building $249,700

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 (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

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

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