16 Arnold Dr, Cumberland, RI 02864 Property Records

Cumberland Town property record for 16 Arnold Dr, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,032 sqft · built 1970
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on File
Last Sale	$338,500 (Mar 2017)
Tax Bill	$6,249 (2026)
Deeds & Mortgages	Feb 2021 Refinance Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9215-73`

Property Details

APN / Parcel Number

Primary APN	`9215-73`
Alternative APN	`CUMB M:025 B:0199 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Gross Area	3,682 sqft
1st Floor Area	1,016 sqft
Basement Area	1,016 sqft
Unfinished Basement	1,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,979 sqft (0.275 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9215-73
Street Address	16 ARNOLD DR
City	CUMBERLAND
State	RI
Zip	02864-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	199
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1001
Census Tract	11404

Historic Designation

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

Historic District	Within the Arnold Mills Historic District listed 1978 · 28 contributing resources · NRIS 78000070

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

Owner

16 Arnold Dr is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 ARNOLD DR, CUMBERLAND, RI 02864-3302
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB
Mar 31, 2017	Warranty Deed, Transfer · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Prior Sale	Aug 11, 1995 · Amount on File
Deed Book / Page	1738 / 483
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	16 ARNOLD DR, CUMBERLAND, RI 02864-3302
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1876-326
Date	Feb 12, 2021
Book Page	1876/326
Instrument	121589

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Mar 31, 2017
Property Address	16 ARNOLD DR, CUMBERLAND, RI 02864-3302
Document Number	1738-483
Book / Page	001738 / 000483
Instrument Date	Mar 31, 2017
Transaction Type	Transfer
Record Updated	Apr 25, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$338.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16 ARNOLD DR CUMBERLAND RI 028643302, CUMBERLAND, RI 02864-3302

Mortgage

Document Number	1738-485
Date	Mar 31, 2017
Book Page	001738/000485

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 16 Arnold Dr was $6,249, up 1.6% 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	$6,249.00 (+1.64%)	$624,300 (+24.59%) Land $263,100 Building $361,200	$624,803
2025	$6,148.00	$501,100 Land $190,200 Building $310,900
2023	$5,823.00 (+9.76%)	$501,100 (+41.59%) Land $190,200 Building $310,900
2022	$5,305.00	$353,900 Land $137,000 Building $216,900

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

Flood

FEMA maps place 16 Arnold Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	3 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2021 · 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

Wildfire risk around 16 Arnold Dr 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	Direct burnable vegetation

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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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