Cumberland Town property record for 32 Seneca St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,132 sqft · built 1986 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Oct 2023) |
| Tax Bill | $4,825 (2026) |
| Deeds & Mortgages | Sep 2024 Mortgage Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-0017-17 |
| Primary APN | 3-0017-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,132 sqft Living Area |
| Gross Area | 2,518 sqft |
| 1st Floor Area | 1,132 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 3-0017-17 |
|---|---|
| Street Address | 32 SENECA ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-5918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 167 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 11302 |
32 Seneca St is owned and occupied by two individuals who bought it in October 2023.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 3, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 26, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2023 · Amount on File |
| Deed Sale | Oct 26, 2023 · Amount on File |
| Prior Sale | Aug 28, 2015 · Amount on File |
| Deed Book / Page | 1966 / 268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 32 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001985-541 |
|---|---|
| Date | Sep 3, 2024 |
| Book Page | 1985/541 |
| Instrument | 145567 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Oct 26, 2023 |
| Property Address | 32 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Document Number | 001966-268 |
| Book / Page | 1966 / 268 |
| Instrument Date | Oct 26, 2023 |
| Instrument | 141164 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 32 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Document Number | 0000141165 |
|---|---|
| Date | Oct 26, 2023 |
| Instrument | 141165 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 32 Seneca St was $4,825, up 3.1% 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 | $4,825.00 (+3.08%) | $482,000 (+26.34%) Land $210,100 Building $271,900 | $510,480 |
| 2025 | $4,681.00 | $381,500 Land $140,100 Building $241,400 | |
| 2023 | $4,433.00 (+0.96%) | $381,500 (+30.25%) Land $140,100 Building $241,400 | |
| 2022 | $4,391.00 | $292,900 Land $100,000 Building $192,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Seneca St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 22, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 32 Seneca St is low, with less than 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 97% of the US · lower than 91% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 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 159 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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