Cumberland Town property record for 34 Waterman Ave, Johnston, RI 02919
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,010 sqft · built 1960 |
| Lot Size | 0.124 acres (5,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $217,000 (Apr 2004) |
| Tax Bill | $4,083 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2127-00 |
| Primary APN | 18-2127-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,010 sqft Living Area |
| Gross Area | 2,340 sqft |
| 1st Floor Area | 1,010 sqft |
| Basement Area | 1,010 sqft |
| Unfinished Basement | 594 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,400 sqft (0.124 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 18-2127-00 |
|---|---|
| Street Address | 34 WATERMAN AVE |
| City | JOHNSTON |
| State | RI |
| Zip | 02919-3821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Lot Number | 337 |
| Jurisdiction | JOHNSTON RI |
| Township / Civil Division | JOHNSTON |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 12401 |
34 Waterman Ave is owned and occupied by two individuals who bought it in April 2004.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 34 WATERMAN AVE, JOHNSTON, RI 02919-3821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
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 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jun 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Jun 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Mar 5, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2004 · Amount on File |
| Deed Sale | Apr 29, 2004 · Amount on File |
| Prior Sale | Aug 23, 2002 · Amount on File |
| Deed Book / Page | 1394 / 140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON RI |
| Property Address | 34 WATERMAN AVE, JOHNSTON, RI 02919-3821 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003354-219 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | 3354/219 |
| Instrument | 186495 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON RI |
| Property Address | 34 WATERMAN AVE, JOHNSTON, RI 02919-3821 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003106-137 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 3106/137 |
| Instrument | 168294 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON RI |
| Property Address | 34 WATERMAN AVE, JOHNSTON, RI 02919-3821 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | PREMIUM TITLE INC, PREMIUM TITLE |
| Name | Verified Name |
|---|
| Document Number | 002990-200 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 2990/200 |
| Instrument | 160428 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON RI |
| Property Address | 34 WATERMAN AVE, JOHNSTON, RI 02919-3821 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2745-77 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | 2745/77 |
| Instrument | 143932 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
The 2026 property tax bill for 34 Waterman Ave was $4,083, down 7.5% 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 | $4,083.00 (-7.48%) | $330,900 (+17.13%) Land $118,300 Building $212,600 | $368,454 |
| 2025 | $4,413.00 | $282,500 Land $83,500 Building $199,000 | |
| 2023 | $4,322.00 (+1.5%) | $282,500 (+54.2%) Land $83,500 Building $199,000 | |
| 2022 | $4,258.00 | $183,200 Land $61,800 Building $121,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 34 Waterman Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 | 2 (2010–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2018 · 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.
The area around 34 Waterman Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 501 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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