309 High St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 309 High St, Cumberland, RI 02864

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,935 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$549,000 (Nov 2025)
Tax Bill	$5,094 (2026)
Deeds & Mortgages	Jan 2025 Line of Credit Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2381-60`

Property Details

APN / Parcel Number

Primary APN	`18-2381-60`
Alternative APN	`CUMB M:004 B:0144 L:000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,935 sqft Living Area
Gross Area	3,860 sqft
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	18-2381-60
Street Address	309 HIGH ST
City	CUMBERLAND
State	RI
Zip	02864-7940
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	110
Legal Block	144
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2016
Census Tract	11200

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	Individual Name on Record
Mailing Address	309 HIGH ST, CUMBERLAND, RI 02864-7940
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 20, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVIGANT CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2025 · Amount on Record
Deed Sale	Nov 20, 2025 · Amount on Record
Deed Book / Page	2016 / 203
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	309 HIGH ST, CUMBERLAND, RI 02864-7940
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001995-589
Date	Jan 31, 2025
Book Page	1995/589
Instrument	147797

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Nov 20, 2025
Property Address	309 HIGH ST, CUMBERLAND, RI 02864-7940
Document Number	002016-203
Book / Page	2016 / 203
Instrument Date	Nov 20, 2025
Instrument	152250
Transaction Type	Transfer
Record Updated	Dec 17, 2025

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
Address	309 HIGH ST, CUMBERLAND, RI 02864-7940

Mortgage

Document Number	0000152251
Date	Nov 20, 2025
Instrument	152251

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

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	$5,094.00 (+8.29%)	$508,900 (+32.73%) Land $178,000 Building $330,900	$531,350
2025	$4,704.00 (+5.59%)	$383,400 (-) Land $90,400 Building $293,000
2023	$4,455.00 (+31.45%)	$383,400 (+69.57%) Land $90,400 Building $293,000
2022	$3,389.00	$226,100 Land $66,300 Building $159,800

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.

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 Claims	8 (1979–1987)
Most Recent Claim	Apr 1987 · river or lake flooding

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	Not rated no burnable land within 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	PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 644 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Nearby Properties on High St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures