28 Seneca St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 28 Seneca St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 2010
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Aug 2021)
Tax Bill	$5,039 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-0010-31`

Property Details

APN / Parcel Number

Primary APN	`1-0010-31`
Alternative APN	`CUMB M:018 B:0169 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,716 sqft
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 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	1-0010-31
Street Address	28 SENECA ST
City	CUMBERLAND
State	RI
Zip	02864-5918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	169
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1027
Census Tract	11302

Owner

28 Seneca St is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	28 SENECA ST, CUMBERLAND, RI 02864-5918
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2021 · Amount on File
Deed Sale	Aug 17, 2021 · Amount on File
Prior Sale	Aug 3, 2010 · Amount on File
Deed Document Number	2021126679
Deed Book / Page	1901 / 127
Transfer Doc	1503-142
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 17, 2021
Property Address	28 SENECA ST, CUMBERLAND, RI 02864-5918
Document Number	1901-127
Book / Page	1901 / 127
Instrument Date	Aug 17, 2021
Instrument	126679
Transaction Type	Transfer
Record Updated	Sep 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SENECA ST, CUMBERLAND, RI 02864-5918

Mortgage

Document Number	126680
Date	Aug 17, 2021
Instrument	126680

Lender

Name	HOMESTAR MORTAGE INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 28 Seneca St was $5,039, up 2% 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	$5,039.00 (+2%)	$503,400 (+25.04%) Land $184,200 Building $319,200	$543,835
2025	$4,940.00	$402,600 Land $122,800 Building $279,800
2023	$4,678.00 (+2.79%)	$402,600 (+32.61%) Land $122,800 Building $279,800
2022	$4,551.00	$303,600 Land $87,700 Building $215,900

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

Flood

FEMA maps place 28 Seneca 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 28 Seneca 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 97% of the US · lower than 91% 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	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 159 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20