16 Wagon Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 16 Wagon Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,080 sqft · built 1971
Lot Size	0.462 acres (20,125 sqft)
Owner	2 Company Names on Record
Last Sale	$430,000 (Jul 2006)
Tax Bill	$6,956 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8796-50`

Property Details

APN / Parcel Number

Primary APN	`8796-50`
Alternative APN	`CUMB M:025 B:0423 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,080 sqft Living Area
Gross Area	4,012 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,125 sqft (0.462 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8796-50
Street Address	16 WAGON RD
City	CUMBERLAND
State	RI
Zip	02864-4219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	423
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1027
Census Tract	11404

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	16 WAGON RD, CUMBERLAND, RI 02864-4219
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 21, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2006 · Amount on Record
Deed Sale	Jul 14, 2006 · Amount on Record
Deed Book / Page	1340 / 279
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	16 WAGON RD, CUMBERLAND, RI 02864-4219
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001941-737
Date	Sep 27, 2022
Book Page	1941/737
Instrument	135433

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	16 WAGON RD, CUMBERLAND, RI 02864-4219
Document Number	1734-620
Instrument Date	Jan 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust

Mortgage

Document Number	1734-620
Date	Feb 3, 2017
Book Page	001734/000620

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

Interest

Rate Type	Adjustable Rate

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	$6,956.00 (+1.67%)	$694,900 (+24.62%) Land $274,400 Building $420,500	$682,436
2025	$6,842.00 (+5.6%)	$557,600 (-) Land $198,300 Building $359,300
2023	$6,479.00 (+3.88%)	$557,600 (+34.01%) Land $198,300 Building $359,300
2022	$6,237.00	$416,100 Land $142,900 Building $273,200

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	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

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 168 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

May also be available: Xfinity.

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