23 Silva St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 23 Silva St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,350 sqft · built 1970
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Trust Names on File
Last Sale	$235,000 (Jun 2002)
Tax Bill	$5,116 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`8638-38`

Property Details

APN / Parcel Number

Primary APN	`8638-38`
Alternative APN	`CUMB M:002 B:0037 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
Gross Area	3,270 sqft
1st Floor Area	1,350 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	8638-38
Street Address	23 SILVA ST
City	CUMBERLAND
State	RI
Zip	02864-8335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	37
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	3
Census Block	3006
Census Tract	11200

Owner

23 Silva St is owner-occupied and held in a trust since April 2019.

Source: Cumberland Town records, as of October 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	23 SILVA ST, CUMBERLAND, RI 02864-8335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Apr 22, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2002 · Amount on File
Deed Sale	Jun 6, 2002 · Amount on File
Deed Book / Page	1024 / 192
Last Transfer Date	Apr 15, 2019
Transfer Doc	1799-328
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	23 SILVA ST, CUMBERLAND, RI 02864-8335
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1903-519
Date	Sep 2, 2021
Book Page	1903/519
Instrument	127154

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 22, 2019
Property Address	23 SILVA ST, CUMBERLAND, RI 02864-8335
Document Number	1799-328
Book / Page	001799 / 000328
Instrument Date	Apr 15, 2019
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	23 SILVA ST CUMBERLAND RI 028648335, CUMBERLAND, RI 02864-8335

Tax Assessment & Valuation

The 2026 property tax bill for 23 Silva St was $5,116, up 1% 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	$5,116.00 (+9.95%)	$511,100 (+34.78%) Land $197,000 Building $314,100	$472,550
2025	$4,653.00	$379,200 Land $100,100 Building $279,100
2023	$4,406.00 (-0.43%)	$379,200 (+28.46%) Land $100,100 Building $279,100
2022	$4,425.00	$295,200 Land $73,400 Building $221,800

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

Flood

FEMA maps place 23 Silva St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 23 Silva St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 94% 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 143 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

May also be available: T-Mobile.

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