280 Scott Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 280 Scott Rd, Cumberland, RI 02864 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,449 sqft · built 1989
Lot Size	4.17 acres (181,645 sqft)
Owner	2 Individual Names on File
Last Sale	$3,323 (Nov 2010)
Tax Bill	$4,795 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Sep 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8977-25`

Property Details

APN / Parcel Number

Primary APN	`8977-25`
Alternative APN	`CUMB M:041 B:0036 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,449 sqft Living Area
Gross Area	3,018 sqft
1st Floor Area	1,449 sqft
Basement Area	1,449 sqft
Unfinished Basement	1,449 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	181,645 sqft (4.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8977-25
Street Address	280 SCOTT RD
City	CUMBERLAND
State	RI
Zip	02864-2814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	36
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	4
Census Block	4003
Census Tract	11405

Owner

Source: Cumberland Town records · APN 8977-25

Assessment roll updated June 22, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	280 SCOTT RD, CUMBERLAND, RI 02864-2814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2024	Deed of Trust, Mortgage · ARM COASTAL ONE CREDIT UNION
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL ONE CREDIT UNION
Jul 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 09, 2010 · Amount on Record
Deed Sale	Nov 09, 2010 · Amount on Record
Prior Sale	Aug 18, 2005 · Amount on Record
Deed Book / Page	1515 / 147
Transfer Doc	1538-466
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	280 SCOTT RD, CUMBERLAND, RI 02864-2814
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001991-845
Date	Nov 27, 2024
Book Page	1991/845
Instrument	146885

Lender

Name	COASTAL ONE CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Dec 01, 2034

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	280 SCOTT RD, CUMBERLAND, RI 02864-2814
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002011-240
Date	Sep 24, 2025
Book Page	2011/240
Instrument	151220

Lender

Name	COASTAL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 01, 2050

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	280 SCOTT RD, CUMBERLAND, RI 02864-2814
Document Number	1781-121
Instrument Date	Jul 25, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SCOTT RD CUMBERLAND RI 028642814, CUMBERLAND, RI 02864-2814

Mortgage

Document Number	1781-121
Date	Aug 14, 2018
Book Page	001781/000121

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cumberland Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Cumberland Town
Unified School District	Cumberland School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$4,795.00 (+5.59%)	$390,800 (-) Land $192,500 Building $198,300
2023	$4,541.00 (+0.55%)	$390,800 (+29.7%) Land $192,500 Building $198,300
2022	$4,516.00	$301,300 Land $148,600 Building $152,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44007C, updated June 22, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 62% of Rhode Island
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 52 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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