Cumberland Town property record for 31 Poisson St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,428 sqft · built 1998 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Jun 1998) |
| Tax Bill | $4,551 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 165-98 |
| Primary APN | 165-98 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,428 sqft Living Area |
| Gross Area | 2,500 sqft |
| 1st Floor Area | 700 sqft |
| Basement Area | 700 sqft |
| Unfinished Basement | 700 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 165-98 |
|---|---|
| Street Address | 31 POISSON ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 144 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 5 |
| Census Block | 5010 |
| Census Tract | 11403 |
31 Poisson St is owned and occupied by two individuals who bought it in June 1998.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 POISSON ST, CUMBERLAND, RI 02864-1830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| Nov 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU |
| Sep 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 1998 · Amount on File |
| Deed Sale | Jun 15, 1998 · Amount on File |
| Deed Book / Page | 751 / 369 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 31 POISSON ST, CUMBERLAND, RI 02864-1830 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001916-679 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 1916/679 |
| Instrument | 129853 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 31 POISSON ST, CUMBERLAND, RI 02864-1830 |
| Document Number | 1820-324 |
| Instrument Date | Nov 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 31 POISSON ST CUMBERLAND RI 028641830, CUMBERLAND, RI 02864-1830 |
| Document Number | 1820-324 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 001820/000324 |
| Name | NAVIGANT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 31 POISSON ST, CUMBERLAND, RI 02864-1830 |
| Document Number | 1755-232 |
| Book / Page | 001755 / 000232 |
| Instrument Date | Sep 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2017 |
| Name | Verified Name |
|---|---|
| Address | 31 POISSON ST CUMBERLAND RI 028641830, CUMBERLAND, RI 02864-1830 |
| Document Number | 1755-232 |
|---|---|
| Date | Oct 5, 2017 |
| Book Page | 001755/000232 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 4, 2047 |
The 2026 property tax bill for 31 Poisson St was $4,551, up 2.5% from the year before.
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 | $4,551.00 (+2.48%) | $454,600 (+25.61%) Land $202,700 Building $251,900 | $468,181 |
| 2025 | $4,441.00 | $361,900 Land $133,900 Building $228,000 | |
| 2023 | $4,205.00 (+6.92%) | $361,900 (+37.92%) Land $133,900 Building $228,000 | |
| 2022 | $3,933.00 | $262,400 Land $93,600 Building $168,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Poisson St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 22, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 31 Poisson St is low, with a 0.01% annual chance of 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.
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 273 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 |
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