3 Nicholas Dr, Cumberland, RI 02864 Property Records

Cumberland Town property record for 3 Nicholas Dr, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,530 sqft · built 1999
Lot Size	0.292 acres (12,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$481,900 (Dec 2020)
Tax Bill	$6,082 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9994-51`

Property Details

APN / Parcel Number

Primary APN	`9994-51`
Alternative APN	`CUMB M:025 B:0317 L:000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,530 sqft Living Area
Gross Area	2,980 sqft
1st Floor Area	746 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,720 sqft (0.292 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9994-51
Street Address	3 NICHOLAS DR
City	CUMBERLAND
State	RI
Zip	02864-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	317
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1002
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	10 BRITTANY WAY, NASHUA, NH 03063-3400
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage SIERRA PACIFIC MORTGAGE CO INC
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2020 · Amount on Record
Deed Sale	Dec 14, 2020 · Amount on Record
Prior Sale	Aug 12, 1999 · Amount on Record
Deed Document Number	2020119894
Deed Book / Page	1867 / 936
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Dec 14, 2020
Property Address	3 NICHOLAS DR, CUMBERLAND, RI 02864-3315
Document Number	1867-936
Book / Page	1867 / 936
Instrument Date	Dec 3, 2020
Instrument	119894
Transaction Type	Transfer
Record Updated	Jun 4, 2021

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

Mortgage

Document Number	119895
Date	Dec 14, 2020
Instrument	119895

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	3 NICHOLAS DR, CUMBERLAND, RI 02864-3315
Document Number	1762-406
Book / Page	001762 / 000406
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 NICHOLAS DR CUMBERLAND RI 028643315, CUMBERLAND, RI 02864-3315

Mortgage

Document Number	1762-406
Date	Dec 27, 2017
Book Page	001762/000406

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

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

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	$6,082.00 (-1.28%)	$607,600 (+21.01%) Land $264,100 Building $343,500	$611,449
2025	$6,161.00 (+5.61%)	$502,100 (-) Land $190,900 Building $311,200
2023	$5,834.00 (+18.63%)	$502,100 (+53.03%) Land $190,900 Building $311,200
2022	$4,918.00	$328,100 Land $137,600 Building $190,500

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	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 57% of Massachusetts
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 36 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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