Cumberland Town property record for 3 Sandy Way, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,498 sqft · built 1992 |
| Lot Size | 0.351 acres (15,290 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $316,000 (Sep 2011) |
| Tax Bill | $6,046 (2026) |
| Deeds & Mortgages | Oct 2025 Line of Credit Sep 2023 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8981-03 |
| Primary APN | 8981-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,498 sqft Living Area |
| Gross Area | 3,148 sqft |
| 1st Floor Area | 1,498 sqft |
| Basement Area | 1,400 sqft |
| Unfinished Basement | 1,400 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,290 sqft (0.351 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 8981-03 |
|---|---|
| Street Address | 3 SANDY WAY |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-3469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 267 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 11403 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Lime Kilns listed 1984 · 3 contributing resources · NRIS 84002015 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 SANDY WAY, CUMBERLAND, RI 02864-3469 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 3, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 8, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION |
| Mar 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2011 · Amount on Record |
| Deed Sale | Sep 15, 2011 · Amount on Record |
| Deed Book / Page | 1545 / 332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 3 SANDY WAY, CUMBERLAND, RI 02864-3469 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002012-515 |
|---|---|
| Date | Oct 3, 2025 |
| Book Page | 2012/515 |
| Instrument | 151454 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 3 SANDY WAY, CUMBERLAND, RI 02864-3469 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001963-601 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 1963/601 |
| Instrument | 140509 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 3 SANDY WAY, CUMBERLAND, RI 02864-3469 |
| Document Number | 1797-685 |
| Instrument Date | Mar 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3 SANDY WAY CUMBERLAND RI 028643469, CUMBERLAND, RI 02864-3469 |
| Document Number | 1797-685 |
|---|---|
| Date | Mar 27, 2019 |
| Book Page | 001797/000685 |
| Name | NAVIGANT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 26, 2039 |
Source: Cumberland Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,046.00 (-0.1%) | $604,000 (+22.47%) Land $254,300 Building $349,700 | $610,113 |
| 2025 | $6,052.00 (+5.6%) | $493,200 (-) Land $183,800 Building $309,400 | |
| 2023 | $5,731.00 (+1.22%) | $493,200 (+30.58%) Land $183,800 Building $309,400 | |
| 2022 | $5,662.00 | $377,700 Land $132,500 Building $245,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 315 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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