190 Scott Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 190 Scott Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1991
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on Record
Last Sale	$393,000 (Jun 2021)
Tax Bill	$4,806 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-0008-83`

Property Details

APN / Parcel Number

Primary APN	`1-0008-83`
Alternative APN	`CUMB M:035 B:0136 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
Gross Area	2,592 sqft
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,979 sqft (0.275 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1-0008-83
Street Address	190 SCOTT RD
City	CUMBERLAND
State	RI
Zip	02864-2812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	30
Legal Block	136
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	4
Census Block	4000
Census Tract	11405

Owner

Source: Cumberland Town records, as of October 21, 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	2 Individual Names on Record
Mailing Address	190 SCOTT RD, CUMBERLAND, RI 02864-2812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2021 · Amount on Record
Deed Sale	Jun 22, 2021 · Amount on Record
Prior Sale	Apr 7, 2016 · Amount on Record
Deed Document Number	2021125112
Deed Book / Page	1893 / 172
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jun 22, 2021
Property Address	190 SCOTT RD, CUMBERLAND, RI 02864-2812
Document Number	001893-172
Book / Page	1893 / 172
Instrument Date	Jun 22, 2021
Instrument	125112
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	190 SCOTT RD, CUMBERLAND, RI 02864-2812

Mortgage

Document Number	0000125113
Date	Jun 22, 2021
Instrument	125113

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,806.00 (+4.73%)	$480,100 (+28.37%) Land $222,600 Building $257,500	$523,053
2025	$4,589.00 (+5.59%)	$374,000 (-) Land $154,200 Building $219,800
2023	$4,346.00 (+1.09%)	$374,000 (+30.4%) Land $154,200 Building $219,800
2022	$4,299.00	$286,800 Land $121,800 Building $165,000

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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