3 Rustic Ln, Cumberland, RI 02864 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,460 sqft · built 2021
Lot Size	2.39 acres (104,108 sqft)
Owner	Individual Name on File
Last Sale	$1,100,000 (Aug 2024)
Tax Bill	$11,831 (2025)
Deeds & Mortgages	Aug 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`3-0011-10`

Property Details

APN / Parcel Number

Primary APN	`3-0011-10`
Alternative APNs	`CUMB M:049 B:0138 L:000` `1-0026-12` `8699-34`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,460 sqft Living Area
Gross Area	6,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	104,108 sqft (2.39 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1-0026-12
Street Address	3 RUSTIC LN
City	CUMBERLAND
State	RI
Zip	02864-1141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Block	138
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1054
Census Tract	11402

Owner

Source: Cumberland Town assessment roll, APN 3-0011-10, as of 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	Individual Name on File
Mailing Address	3 RUSTIC LN, CUMBERLAND, RI 02864-1141
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 09, 2024 · Amount on Record
Deed Sale	Aug 09, 2024 · Amount on Record
Deed Document Number	2024145221
Deed Book / Page	1984 / 10
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	3 RUSTIC LN, CUMBERLAND, RI 02864-1141
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001939-456
Date	Aug 30, 2022
Book Page	1939/456
Instrument	134888

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: Cumberland Town assessment roll as of 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 and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value
2025	$11,831.00 (+5.6%)	$964,200 (-) Land $226,100 Building $738,100
2023	$11,204.00 (+53.69%)	$964,200 (+98.27%) Land $226,100 Building $738,100
2022	$7,290.00	$486,300 Land $162,800 Building $323,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44007C, as of June 22, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440070114021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection, 28 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

Drinking Water

Source: EPA Safe Drinking Water Information System, water system RI1647530, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF CUMBERLAND serves 21,235 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.