Cumberland Town property record for 19 Hardwick St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,202 sqft · built 1880 |
| Lot Size | 0.585 acres (25,483 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $614,500 (Jul 2026) |
| Tax Bill | $4,939 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2026 Sale & Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9993-60 |
| Primary APN | 9993-60 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,202 sqft Living Area |
| Gross Area | 4,071 sqft |
| 1st Floor Area | 1,938 sqft |
| Basement Area | 528 sqft |
| Unfinished Basement | 528 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,483 sqft (0.585 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 9993-60 |
|---|---|
| Street Address | 19 HARDWICK ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-5409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 638 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 11301 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage RHODE ISLAND MORTGAGE FINANCIAL CORPORATION |
| Jul 14, 2026 | Warranty Deed, Transfer · Stand-Alone First Mortgage NFM LENDING |
| Jun 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORPORATION |
| Oct 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Nov 6, 2020 | Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Oct 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS BK |
| Oct 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL |
| Jul 11, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2026 · Amount on Record |
| Deed Sale | Jul 14, 2026 · Amount on Record |
| Prior Sale | Nov 6, 2020 · Amount on Record |
| Deed Document Number | 2026155941 |
| Deed Book / Page | 2034 / 626 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jul 14, 2026 |
| Property Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 0000155943 |
| Book / Page | 2034 / 643 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 2026155943 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 0000155943, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 2034/643 |
| Instrument | 2026155943 |
| Name | RHODE ISLAND MORTGAGE FINANCIAL CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate | 5.84% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jul 14, 2026 |
| Property Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 0000155941 |
| Book / Page | 2034 / 626 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 2026155941 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Date | Jul 14, 2026 |
|---|
| Name | NFM LENDING |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jun 26, 2026 |
| Property Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 0000155654 |
| Book / Page | 2033 / 244 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 2026155654 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 0000155654, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 2033/244 |
| Instrument | 2026155654 |
| Name | FIRST HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 1, 2027 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1908-543 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 1908/543 |
| Instrument | 128162 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Nov 6, 2020 |
| Property Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 1862-824 |
| Book / Page | 1862 / 824 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 118828 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 118829 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 118829 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 1786-345 |
| Instrument Date | Oct 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 19 HARDWICK ST CUMBERLAND RI 028645409, CUMBERLAND, RI 02864-5409 |
| Document Number | 1786-345 |
|---|---|
| Date | Oct 19, 2018 |
| Book Page | 001786/000345 |
| Name | MISCELLANEOUS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 1786-370 |
| Instrument Date | Oct 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 19 HARDWICK ST CUMBERLAND RI 028645409, CUMBERLAND, RI 02864-5409 |
| Document Number | 1786-370 |
|---|---|
| Date | Oct 19, 2018 |
| Book Page | 001786/000370 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jul 11, 2017 |
| Property Address | 19 HARDWICK ST, CUMBERLAND, RI 02864-5409 |
| Document Number | 1747-153 |
| Book / Page | 001747 / 000153 |
| Instrument Date | Jul 11, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 19 HARDWICK ST CUMBERLAND RI 028645409, CUMBERLAND, RI 02864-5409 |
Source: Cumberland Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,939.00 (-9.44%) | $493,400 (+11%) Land $238,400 Building $255,000 | $596,886 |
| 2025 | $5,454.00 (+5.6%) | $444,500 (-) Land $157,500 Building $287,000 | |
| 2023 | $5,165.00 (+12.38%) | $444,500 (+44.98%) Land $157,500 Building $287,000 | |
| 2022 | $4,596.00 | $306,600 Land $110,100 Building $196,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 91% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 185 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 |
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