2 Prospect St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 2 Prospect St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,183 sqft · built 1900
Lot Size	0.124 acres (5,401 sqft)
Owner	Individual Name on Record
Last Sale	$72,500 (Mar 2001)
Tax Bill	$2,736 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`16-0511-50`

Property Details

APN / Parcel Number

Primary APN	`16-0511-50`
Alternative APN	`CUMB M:001 B:0156 L:000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,183 sqft Living Area
Gross Area	1,729 sqft
1st Floor Area	871 sqft
Basement Area	437 sqft
Unfinished Basement	437 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,401 sqft (0.124 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	16-0511-50
Street Address	2 PROSPECT ST
City	CUMBERLAND
State	RI
Zip	02864-8408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	156
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2029
Census Tract	11200

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	Individual Name on Record
Mailing Address	2 PROSPECT ST, CUMBERLAND, RI 02864-8408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2001 · Amount on Record
Deed Sale	Mar 2, 2001 · Amount on Record
Deed Book / Page	895 / 155
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	2 PROSPECT ST, CUMBERLAND, RI 02864-8408
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001960-84
Date	Jul 17, 2023
Book Page	1960/84
Instrument	139679

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	2 PROSPECT ST, CUMBERLAND, RI 02864-8408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1797-665
Date	Mar 27, 2019
Book Page	1797/665

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
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	$2,736.00 (+11.45%)	$273,300 (+36.58%) Land $174,600 Building $98,700	$415,452
2025	$2,455.00 (+5.59%)	$200,100 (-) Land $88,700 Building $111,400
2023	$2,325.00 (+9.83%)	$200,100 (+41.71%) Land $88,700 Building $111,400
2022	$2,117.00	$141,200 Land $65,000 Building $76,200

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 Claims	8 (1979–1987)
Most Recent Claim	Apr 1987 · river or lake 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

May also be available: Xfinity.

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