3 Payson Ln, Cumberland, RI 02864 Property Records

Cumberland Town property record for 3 Payson Ln, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,222 sqft · built 1974
Lot Size	0.581 acres (25,308 sqft)
Owner	2 Company Names on Record
Last Sale	$325,000 (Apr 2010)
Tax Bill	$7,244 (2026)
Deeds & Mortgages	Jun 2026 Transfer Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8943-63`

Property Details

APN / Parcel Number

Primary APN	`8943-63`
Alternative APN	`CUMB M:025 B:0399 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,222 sqft Living Area
Gross Area	5,224 sqft
1st Floor Area	2,222 sqft
Basement Area	1,942 sqft
Unfinished Basement	1,942 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,308 sqft (0.581 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8943-63
Street Address	3 PAYSON LN
City	CUMBERLAND
State	RI
Zip	02864-4214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	399
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1024
Census Tract	11404

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	3 PAYSON LN, CUMBERLAND, RI 02864-4214
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Quit Claim Deed, Transfer Quitclaim
Oct 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PAWTUCKET CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2010 · Amount on Record
Deed Sale	Apr 30, 2010 · Amount on Record
Prior Sale	Feb 28, 1989 · Amount on Record
Deed Document Number	2010
Deed Book / Page	1494 / 621
Transfer Doc	1518000429
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jun 29, 2026
Property Address	3 PAYSON LN, CUMBERLAND, RI 02864-4214
Document Number	0000155681
Book / Page	2033 / 382
Instrument Date	Jun 10, 2026
Instrument	2026155681
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3 PAYSON LN, CUMBERLAND, RI 02864-4214

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	3 PAYSON LN, CUMBERLAND, RI 02864-4214
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1859-349
Date	Oct 19, 2020
Book Page	1859/349
Instrument	118159

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

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	$7,244.00 (+2.04%)	$723,700 (+25.08%) Land $281,600 Building $442,100	$706,373
2025	$7,099.00 (+5.59%)	$578,600 (-) Land $203,500 Building $375,100
2023	$6,723.00 (+6.53%)	$578,600 (+37.43%) Land $203,500 Building $375,100
2022	$6,311.00	$421,000 Land $146,700 Building $274,300

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 500 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 168 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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