3 Gilbert Ct, Cumberland, RI 02864 Property Records

Cumberland Town property record for 3 Gilbert Ct, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,700 sqft · built 1966
Lot Size	0.503 acres (21,911 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Feb 2005)
Tax Bill	$6,479 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8726-18`

Property Details

APN / Parcel Number

Primary APN	`8726-18`
Alternative APN	`CUMB M:025 B:0349 L:000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,700 sqft Living Area
Gross Area	3,934 sqft
1st Floor Area	850 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,911 sqft (0.503 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8726-18
Street Address	3 GILBERT CT
City	CUMBERLAND
State	RI
Zip	02864-4201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	349
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1015
Census Tract	11404

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	3 GILBERT CT, CUMBERLAND, RI 02864-4201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 31, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2005 · Amount on Record
Deed Sale	Feb 16, 2005 · Amount on Record
Deed Book / Page	1252 / 643
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	3 GILBERT CT, CUMBERLAND, RI 02864-4201
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002024-60
Date	Feb 17, 2026
Book Page	2024/60
Instrument	153717

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	3 GILBERT CT, CUMBERLAND, RI 02864-4201
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1870-671
Date	Dec 31, 2020
Book Page	1870/671
Instrument	120389

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2045

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	$6,479.00 (+1.98%)	$647,300 (+25.01%) Land $276,900 Building $370,400	$626,147
2025	$6,353.00 (+5.58%)	$517,800 (-) Land $200,100 Building $317,700
2023	$6,017.00 (+5.14%)	$517,800 (+35.62%) Land $200,100 Building $317,700
2022	$5,723.00	$381,800 Land $144,200 Building $237,600

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

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	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 235 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

May also be available: Xfinity.

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