38 Howe St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 38 Howe St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 879 sqft · built 1988
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on File
Last Sale	$297,900 (Aug 2025)
Tax Bill	$3,716 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Aug 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-0800-20`

Property Details

APN / Parcel Number

Primary APN	`22-0800-20`
Alternative APN	`CUMB M:004 B:0055 L:000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	879 sqft Living Area
Gross Area	1,869 sqft
1st Floor Area	879 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	22-0800-20
Street Address	38 HOWE ST
City	CUMBERLAND
State	RI
Zip	02864-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	55
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2018
Census Tract	11200

Owner

38 Howe St is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 HOWE ST, CUMBERLAND, RI 02864-8005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 5, 2025	Warranty Deed, Transfer NEW AMERICAN FUNDING
Aug 24, 2023	Warranty Deed, Transfer
Aug 16, 2022	Warranty Deed, Transfer
Jul 26, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on File
Deed Sale	Aug 5, 2025 · Amount on File
Deed Book / Page	2007 / 904
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 5, 2025
Property Address	38 HOWE ST, CUMBERLAND, RI 02864-8005
Document Number	002007-904
Book / Page	2007 / 904
Instrument Date	Aug 5, 2025
Instrument	150506
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38 HOWE ST, CUMBERLAND, RI 02864-8005

Mortgage

Document Number	0000150507
Date	Aug 5, 2025
Instrument	150507

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 24, 2023
Property Address	38 HOWE ST, CUMBERLAND, RI 02864-8005
Document Number	001962-656
Book / Page	1962 / 656
Instrument Date	Aug 21, 2023
Instrument	140288
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 16, 2022
Property Address	38 HOWE ST, CUMBERLAND, RI 02864-8005
Document Number	001938-231
Book / Page	1938 / 231
Instrument Date	Jul 20, 2022
Instrument	134637
Transaction Type	Transfer
Record Updated	Sep 8, 2022

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	Family Revocable Trust
Address	38 HOWE ST, CUMBERLAND, RI 02864-8005

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jul 26, 2022
Property Address	38 HOWE ST, CUMBERLAND, RI 02864-8005
Document Number	001936-665
Book / Page	1936 / 665
Instrument Date	Jul 20, 2022
Instrument	134297
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 HOWE ST, CUMBERLAND, RI 02864-8005

Tax Assessment & Valuation

The 2026 property tax bill for 38 Howe St was $3,716, up 5.2% 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	$3,716.00 (+5.18%)	$371,200 (+28.93%) Land $189,900 Building $181,300	$356,632
2025	$3,533.00	$287,900 Land $125,400 Building $162,500
2023	$3,345.00 (+4.66%)	$287,900 (+35.04%) Land $125,400 Building $162,500
2022	$3,196.00	$213,200 Land $87,700 Building $125,500

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

Flood

FEMA maps place 38 Howe St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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	8 (1979–1987)
Most Recent Claim	Apr 1987 · river or lake flooding

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

The area around 38 Howe St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 644 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

May also be available: T-Mobile.

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