32 Nicholas Dr, Cumberland, RI 02864 Property Records

Cumberland Town property record for 32 Nicholas Dr, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,398 sqft · built 1966
Lot Size	0.299 acres (13,024 sqft)
Owner	Trust Name on File
Last Sale	$270,250 (Jul 2015)
Tax Bill	$4,950 (2026)
Deeds & Mortgages	Jan 2024 Sale Oct 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9154-32`

Property Details

APN / Parcel Number

Primary APN	`9154-32`
Alternative APN	`CUMB M:025 B:0302 L:000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,398 sqft Living Area
Gross Area	3,134 sqft
1st Floor Area	1,398 sqft
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,024 sqft (0.299 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9154-32
Street Address	32 NICHOLAS DR
City	CUMBERLAND
State	RI
Zip	02864-3352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	302
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1001
Census Tract	11404

Owner

32 Nicholas Dr is owner-occupied and held in a trust since January 2024.

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

Owner of Record	Trust Name on File
Mailing Address	32 NICHOLAS DR, CUMBERLAND, RI 02864-3352
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Warranty Deed, Transfer
Oct 5, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2015 · Amount on File
Deed Sale	Jul 23, 2015 · Amount on File
Deed Book / Page	1685 / 184
Last Transfer Date	Jan 9, 2024
Transfer Doc	001970-765
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jan 11, 2024
Property Address	32 NICHOLAS DR, CUMBERLAND, RI 02864-3352
Document Number	001970-765
Book / Page	1970 / 765
Instrument Date	Jan 9, 2024
Instrument	142295
Transaction Type	Transfer
Record Updated	Jan 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	32 NICHOLAS DR, CUMBERLAND, RI 02864-3352

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	32 NICHOLAS DR, CUMBERLAND, RI 02864-3352
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1907-662
Date	Oct 5, 2021
Book Page	1907/662
Instrument	127960

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	32 NICHOLAS DR, CUMBERLAND, RI 02864-3352
Document Number	1739-482
Book / Page	001739 / 000482
Instrument Date	Apr 10, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1739-482
Date	Apr 17, 2017
Book Page	001739/000482

Lender

Name	CARRINGTON MTG SVCS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 32 Nicholas Dr was $4,950, up 2.3% from the year before.

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	$4,950.00 (+2.32%)	$494,500 (+25.41%) Land $264,500 Building $230,000	$538,293
2025	$4,838.00	$394,300 Land $191,200 Building $203,100
2023	$4,582.00 (+2.74%)	$394,300 (+32.54%) Land $191,200 Building $203,100
2022	$4,460.00	$297,500 Land $137,800 Building $159,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 32 Nicholas Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	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

Wildfire risk around 32 Nicholas Dr 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.

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 149 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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