281 Scott Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 281 Scott Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,137 sqft · built 1961
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jul 2026)
Tax Bill	$5,497 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-0807-00`

Property Details

APN / Parcel Number

Primary APN	`13-0807-00`
Alternative APN	`CUMB M:041 B:0026 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,137 sqft Living Area
Gross Area	4,525 sqft
1st Floor Area	1,281 sqft
Basement Area	1,141 sqft
Unfinished Basement	1,141 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	13-0807-00
Street Address	281 SCOTT RD
City	CUMBERLAND
State	RI
Zip	02864-2814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	30
Legal Block	26
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2002
Census Tract	11405

Owner

Source: Cumberland Town records, as of October 21, 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 Record
Mailing Address	14 FOREST AVE, CUMBERLAND, RI 02864-7777
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVIGANT CREDIT UNION
Apr 5, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL ONE CREDIT UNION
Apr 18, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 21, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Oct 21, 2021 · Amount on Record
Deed Document Number	2026155956
Deed Book / Page	2034 / 692
Prior Transfer Date	Apr 14, 2023
Prior Transfer Doc	001953-686
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jul 14, 2026
Property Address	281 SCOTT RD, CUMBERLAND, RI 02864-2814
Document Number	0000155956
Book / Page	2034 / 692
Instrument Date	Jul 2, 2026
Instrument	2026155956
Transaction Type	Transfer
Record Updated	Aug 5, 2026

Transaction

Amount	Amount Recorded
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	14 FOREST AVE, CUMBERLAND, RI 02864-7777

Mortgage

Date	Jul 14, 2026

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	281 SCOTT RD, CUMBERLAND, RI 02864-2814
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001953-161
Date	Apr 5, 2023
Book Page	1953/161
Instrument	138179

Lender

Name	COASTAL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 18, 2023
Property Address	281 SCOTT RD, CUMBERLAND, RI 02864-2814
Document Number	001953-686
Book / Page	1953 / 686
Instrument Date	Apr 14, 2023
Instrument	138313
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 SCOTT RD, CUMBERLAND, RI 02864-2814

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Oct 21, 2021
Property Address	281 SCOTT RD, CUMBERLAND, RI 02864-2814
Document Number	001909-702
Book / Page	1909 / 702
Instrument Date	Oct 21, 2021
Instrument	128382
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	281 SCOTT RD, CUMBERLAND, RI 02864-2814

Mortgage

Document Number	0000128383
Date	Oct 21, 2021
Instrument	128383

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,497.00 (+1.59%)	$549,200 (+24.54%) Land $242,300 Building $306,900	$557,217
2025	$5,411.00 (+5.6%)	$441,000 (-) Land $178,800 Building $262,200
2023	$5,124.00 (-0.23%)	$441,000 (+28.72%) Land $178,800 Building $262,200
2022	$5,136.00	$342,600 Land $139,000 Building $203,600

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

Flood

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	1 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

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

Wildfire Risk	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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