Cumberland Town property record for 34 Ruth St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,008 sqft · built 1990 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $237,500 (Jul 2015) |
| Tax Bill | $4,027 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Sep 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9153-85 |
| Primary APN | 9153-85 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 2,016 sqft |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 9153-85 |
|---|---|
| Street Address | 34 RUTH ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-1939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 919 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 5 |
| Census Block | 5026 |
| Census Tract | 11403 |
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 | 34 RUTH ST, CUMBERLAND, RI 02864-1939 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Line of Credit |
| Sep 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP |
| Feb 16, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2015 · Amount on Record |
| Deed Sale | Jul 15, 2015 · Amount on Record |
| Prior Sale | Jan 25, 2008 · Amount on Record |
| Deed Book / Page | 1684 / 332 |
| Transfer Doc | 001411-539 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jun 22, 2026 |
| Property Address | 34 RUTH ST, CUMBERLAND, RI 02864-1939 |
| Document Number | 0000155555 |
| Book / Page | 2032 / 770 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 2026155555 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 34 RUTH ST, CUMBERLAND, RI 02864-1939 |
| Document Number | 0000155555, |
|---|---|
| Date | Jun 22, 2026 |
| Book Page | 2032/770 |
| Instrument | 2026155555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 34 RUTH ST, CUMBERLAND, RI 02864-1939 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001906-107 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 1906/107 |
| Instrument | 127625 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 34 RUTH ST, CUMBERLAND, RI 02864-1939 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001922-799 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 1922/799 |
| Instrument | 131214 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,027.00 (+3.31%) | $402,300 (+26.63%) Land $189,900 Building $212,400 | $452,877 |
| 2025 | $3,898.00 (+5.58%) | $317,700 (-) Land $125,400 Building $192,300 | |
| 2023 | $3,692.00 (+1.48%) | $317,700 (+30.9%) Land $125,400 Building $192,300 | |
| 2022 | $3,638.00 | $242,700 Land $87,700 Building $155,000 |
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
| 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.
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 469 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 |
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