15 Dwight St, Cumberland, RI 02864 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1959
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on File
Last Sale	$289,000 (Aug 2005)
Tax Bill	$4,659 (2026)
Deeds & Mortgages	Feb 2022 Refinance Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8990-87`

Property Details

APN / Parcel Number

Primary APN	`8990-87`
Alternative APN	`CUMB M:054 B:0306 L:000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,688 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,975 sqft (0.229 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8990-87
Street Address	15 DWIGHT ST
City	CUMBERLAND
State	RI
Zip	02864-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	306
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2030
Census Tract	11403

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Lime Kilns listed 1984 · 3 contributing resources · NRIS 84002015

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

15 Dwight St is owned and occupied by two individuals who bought it in August 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 DWIGHT ST, CUMBERLAND, RI 02864-2408
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
Feb 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jun 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Nov 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2005 · Amount on File
Deed Sale	Aug 22, 2005 · Amount on File
Deed Book / Page	1286 / 718
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	15 DWIGHT ST, CUMBERLAND, RI 02864-2408
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001922-918
Date	Feb 16, 2022
Book Page	1922/918
Instrument	131242

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	15 DWIGHT ST, CUMBERLAND, RI 02864-2408
Transaction Type	Mortgage
Record Updated	Jun 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1891-770
Date	Jun 4, 2021
Book Page	1891/770
Instrument	124700

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	15 DWIGHT ST, CUMBERLAND, RI 02864-2408
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1821-431
Date	Nov 22, 2019
Book Page	1821/431

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 15 Dwight St was $4,659, up 6.8% 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	$4,659.00 (+6.78%)	$465,400 (+30.88%) Land $242,700 Building $222,700	$459,062
2025	$4,363.00	$355,600 Land $159,900 Building $195,700
2023	$4,132.00 (+9.49%)	$355,600 (+41.22%) Land $159,900 Building $195,700
2022	$3,774.00	$251,800 Land $99,900 Building $151,900

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

Flood

FEMA maps place 15 Dwight St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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	1 in force
Nearby Flood Claims	3 (1982–2010)
Claims Outside the SFHA	1 of 3
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 15 Dwight 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	Indirect within 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 315 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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