17 Cross Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 17 Cross Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,020 sqft · built 2005
Lot Size	0.514 acres (22,390 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Aug 2005)
Tax Bill	$5,977 (2026)
Deeds & Mortgages	Nov 2022 Refinance Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8733-87`

Property Details

APN / Parcel Number

Primary APN	`8733-87`
Alternative APN	`CUMB M:064 B:0056 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	2,020 sqft Living Area
Gross Area	3,476 sqft
1st Floor Area	792 sqft
Basement Area	776 sqft
Unfinished Basement	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,390 sqft (0.514 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	8733-87
Street Address	17 CROSS RD
City	CUMBERLAND
State	RI
Zip	02864-4020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	56
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2021
Census Tract	11405

Owner

17 Cross Rd is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	17 CROSS RD, CUMBERLAND, RI 02864-4020
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
Nov 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Apr 9, 2018	Quit Claim Deed, Transfer · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2005 · Amount on File
Deed Sale	Aug 18, 2005 · Amount on File
Deed Book / Page	1286 / 366
Last Transfer Date	Dec 16, 2020
Transfer Doc	1869-45
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	17 CROSS RD, CUMBERLAND, RI 02864-4020
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001944-577
Date	Nov 3, 2022
Book Page	1944/577
Instrument	136100

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 9, 2018
Property Address	17 CROSS RD, CUMBERLAND, RI 02864-4020
Document Number	1769-899
Book / Page	001769 / 000899
Instrument Date	Apr 4, 2018
Transaction Type	Transfer
Record Updated	May 9, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	17 CROSS RD CUMBERLAND RI 028644020, CUMBERLAND, RI 02864-4020

Mortgage

Document Number	1769-903
Date	Apr 9, 2018
Book Page	001769/000903

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.13%

Tax Assessment & Valuation

The 2026 property tax bill for 17 Cross Rd was $5,977, up 7.4% 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	$5,977.00 (+7.44%)	$597,100 (+31.69%) Land $213,500 Building $383,600	$659,037
2025	$5,563.00	$453,400 Land $108,400 Building $345,000
2023	$5,269.00 (+2.51%)	$453,400 (+32.23%) Land $108,400 Building $345,000
2022	$5,140.00	$342,900 Land $79,500 Building $263,400

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

Flood

FEMA maps place 17 Cross Rd in Zone X, an area of minimal flood risk.

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

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 17 Cross Rd 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross Rd

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