22 School St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 22 School St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 936 sqft · built 1950
Lot Size	0.073 acres (3,180 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Sep 2018)
Tax Bill	$3,247 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2020 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9942-33`

Property Details

APN / Parcel Number

Primary APN	`9942-33`
Alternative APN	`CUMB M:002 B:0218 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Gross Area	3,156 sqft
1st Floor Area	936 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,180 sqft (0.073 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9942-33
Street Address	22 SCHOOL ST
City	CUMBERLAND
State	RI
Zip	02864-8212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	218
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2028
Census Tract	11200

Owner

22 School St is owned and occupied by an individual who bought it in September 2018.

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	Individual Name on File
Mailing Address	22 SCHOOL ST, CUMBERLAND, RI 02864-8212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) USA VETERANS ADMIN
Feb 21, 2020	Deed of Trust, Mortgage · Reverse Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 19, 2018	Warranty Deed, Transfer · FHA Mortgage BBMC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2018 · Amount on File
Deed Sale	Sep 19, 2018 · Amount on File
Prior Sale	Jun 7, 2010 · Amount on File
Deed Book / Page	1783 / 831
Transfer Doc	1647-18
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	22 SCHOOL ST, CUMBERLAND, RI 02864-8212
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001965-506
Date	Oct 12, 2023
Book Page	1965/506
Instrument	140964

Lender

Name	USA VETERANS ADMIN

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	22 SCHOOL ST, CUMBERLAND, RI 02864-8212
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	NETCO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001830-472
Date	Feb 21, 2020
Book Page	1830/472

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Sep 19, 2018
Property Address	22 SCHOOL ST, CUMBERLAND, RI 02864-8212
Document Number	1783-831
Book / Page	1783 / 831
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25.24
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17830833
Date	Sep 19, 2018
Instrument	01783/0833

Lender

Name	BBMC MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 22 School St was $3,247, up 11% from the year before.

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	$3,247.00 (+10.97%)	$324,400 (+36.02%) Land $152,600 Building $171,800	$310,483
2025	$2,926.00	$238,500 Land $77,500 Building $161,000
2023	$2,771.00 (+1.13%)	$238,500 (+30.47%) Land $77,500 Building $161,000
2022	$2,740.00	$182,800 Land $56,800 Building $126,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 22 School St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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

The area around 22 School St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 302 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Xfinity.

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