185 Cumberland Rd, Warwick, RI 02886 Property Records

Warwick City property record for 185 Cumberland Rd, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,988 sqft · built 1965
Lot Size	0.348 acres (15,150 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Aug 1994)
Tax Bill	$7,206 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23601080000`

Property Details

APN / Parcel Number

Primary APN	`23601080000`
Alternative APNs	`WARW M:236 B:0108 L:0000` `131897`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,988 sqft Living Area
Gross Area	3,824 sqft
1st Floor Area	1,124 sqft
Basement Area	864 sqft
Finished Basement	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,150 sqft (0.348 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	131897
Street Address	185 CUMBERLAND RD
City	WARWICK
State	RI
Zip	02886-8711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A10
Legal Block	108
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	5
Census Block	5007
Census Tract	22201

Owner

Source: Warwick City records, as of June 22, 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	Individual Name on Record
Mailing Address	185 CUMBERLAND RD, WARWICK, RI 02886-8711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL ONE CREDIT UNION
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit PAWTUCKET CU
Nov 8, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance PAWTUCKET CU
May 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PAWTUCKET CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 1994 · Amount on Record
Deed Sale	Aug 29, 1994 · Amount on Record
Prior Sale	Jul 31, 1989 · Amount on Record
Deed Book / Page	2269 / 239
Last Transfer Date	Nov 2, 2021
Transfer Doc	010000-270
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	185 CUMBERLAND RD, WARWICK, RI 02886-8711
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010809-103
Date	Dec 16, 2025
Book Page	10809/103
Instrument	14550

Lender

Name	COASTAL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	277 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	185 CUMBERLAND RD, WARWICK, RI 02886-8711
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010044-341
Date	Dec 28, 2021
Book Page	10044/341
Instrument	25730

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Nov 8, 2021
Property Address	185 CUMBERLAND RD, WARWICK, RI 02886-8711
Document Number	010000-268
Book / Page	10000 / 268
Instrument Date	Nov 2, 2021
Instrument	22331
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CUMBERLAND RD, WARWICK, RI 02886-8711

Mortgage

Document Number	010000-270
Date	Nov 8, 2021
Book Page	10000/270
Instrument	22332

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	185 CUMBERLAND RD, WARWICK, RI 02886-8711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9503-204
Date	May 4, 2020
Book Page	9503/204
Instrument	5640

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Warwick City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Warwick City
Unified School District	Warwick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,206.00 (+4.83%)	$567,400 (+17.13%) Land $152,700 Building $414,700
2024			$650,560
2023	$6,874.00 (-0.89%)	$484,400 (+30.81%) Land $132,800 Building $351,600
2022	$6,936.00	$370,300 Land $90,900 Building $279,400

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 December 26, 2025 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	30 units insured incl. 28 condo units
Nearby Flood Claims	3 (1978–1982)
Most Recent Claim	Feb 1982 · 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	Not rated no burnable land 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	KENT COUNTY WATER AUTHORITY serves 94,107 people · EPA ID RI1559511
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	2 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	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 344 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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