21 Cargill Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 21 Cargill Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,492 sqft · built 1987
Lot Size	2.05 acres (89,298 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Aug 2015)
Tax Bill	$8,065 (2026)
Deeds & Mortgages	Jul 2021 Refinance Mar 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`9155-85`

Property Details

APN / Parcel Number

Primary APN	`9155-85`
Alternative APN	`CUMB M:017 B:0093 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	2,492 sqft Living Area
Gross Area	5,272 sqft
1st Floor Area	1,428 sqft
Basement Area	1,428 sqft
Unfinished Basement	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	89,298 sqft (2.05 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9155-85
Street Address	21 CARGILL RD
City	CUMBERLAND
State	RI
Zip	02864-6143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	93
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	3
Census Block	3000
Census Tract	11302

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	21 CARGILL RD, CUMBERLAND, RI 02864-6143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Mar 18, 2026	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2015 · Amount on Record
Deed Sale	Aug 21, 2015 · Amount on Record
Prior Sale	Sep 18, 1990 · Amount on Record
Deed Book / Page	1687 / 853
Last Transfer Date	Mar 17, 2026
Transfer Doc	002025-797
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	21 CARGILL RD, CUMBERLAND, RI 02864-6143
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001896-316
Date	Jul 12, 2021
Book Page	1896/316
Instrument	125671

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Mar 18, 2026
Property Address	21 CARGILL RD, CUMBERLAND, RI 02864-6143
Document Number	002025-797
Book / Page	2025 / 797
Instrument Date	Mar 17, 2026
Instrument	154156
Transaction Type	Transfer
Record Updated	Apr 8, 2026

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

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	$8,065.00 (+17.86%)	$805,700 (+44.47%) Land $339,900 Building $465,800	$811,357
2025	$6,843.00 (+5.6%)	$557,700 (-) Land $159,100 Building $398,600
2023	$6,480.00 (-3.53%)	$557,700 (+24.46%) Land $159,100 Building $398,600
2022	$6,717.00	$448,100 Land $144,100 Building $304,000

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 · 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Rhode Island
Wildfire Likelihood	Under 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications.

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