28 Howard Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 28 Howard Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 1963
Lot Size	0.495 acres (21,562 sqft)
Owner	Individual Name on File
Last Sale	$294,000 (Oct 2005)
Tax Bill	$6,094 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8788-05`

Property Details

APN / Parcel Number

Primary APN	`8788-05`
Alternative APN	`CUMB M:023 B:0054 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,550 sqft Living Area
Gross Area	4,548 sqft
1st Floor Area	1,550 sqft
Basement Area	1,340 sqft
Unfinished Basement	1,340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,562 sqft (0.495 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8788-05
Street Address	28 HOWARD RD
City	CUMBERLAND
State	RI
Zip	02864-6010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	54
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1032
Census Tract	11404

Owner

28 Howard Rd is owned and occupied by an individual who bought it in October 2005.

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

Owner of Record	Individual Name on File
Mailing Address	28 HOWARD RD, CUMBERLAND, RI 02864-6010
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL CREDIT UNION
Jun 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Dec 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2005 · Amount on File
Deed Sale	Oct 28, 2005 · Amount on File
Prior Sale	Dec 28, 1994 · Amount on File
Deed Book / Page	1299 / 697
Transfer Doc	1689-485
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Recording Date	Jul 27, 2026
Property Address	28 HOWARD RD, CUMBERLAND, RI 02864-6010
Document Number	0000156188
Book / Page	2035 / 961
Instrument Date	Jul 22, 2026
Instrument	2026156188
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 HOWARD RD, CUMBERLAND, RI 02864-6010

Mortgage

Document Number	0000156188,
Date	Jul 27, 2026
Book Page	2035/961
Instrument	2026156188

Lender

Name	COASTAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	28 HOWARD RD, CUMBERLAND, RI 02864-6010
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1843-311
Date	Jun 23, 2020
Book Page	1843/311
Instrument	114935

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	28 HOWARD RD, CUMBERLAND, RI 02864-6010
Document Number	1762-392
Book / Page	001762 / 000392
Instrument Date	Dec 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 HOWARD RD CUMBERLAND RI 028646010, CUMBERLAND, RI 02864-6010

Mortgage

Document Number	1762-392
Date	Dec 27, 2017
Book Page	001762/000392

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 26, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 28 Howard Rd was $6,094, down 1.5% 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	$6,094.00 (-1.47%)	$608,800 (+20.77%) Land $276,400 Building $332,400	$584,772
2025	$6,185.00	$504,100 Land $199,800 Building $304,300
2023	$5,858.00 (+2.48%)	$504,100 (+32.21%) Land $199,800 Building $304,300
2022	$5,716.00	$381,300 Land $144,000 Building $237,300

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

Flood

FEMA maps place 28 Howard Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	3 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2021 · rainfall accumulation

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 28 Howard Rd 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 97% of the US · lower than 94% of Massachusetts
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	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 109 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

May also be available: Cox Communications.

Nearby Properties on Howard Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures