384 Broad St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 384 Broad St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,922 sqft · built 1899
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Jun 2013)
Tax Bill	$4,024 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9078-60`

Property Details

APN / Parcel Number

Primary APN	`9078-60`
Alternative APN	`CUMB M:003 B:0204 L:000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,922 sqft Living Area
Gross Area	4,049 sqft
1st Floor Area	970 sqft
Attic	Attic
Attic Area	952 sqft
Basement Area	970 sqft
Unfinished Basement	970 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9078-60
Street Address	384 BROAD ST
City	CUMBERLAND
State	RI
Zip	02864-7810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	204
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	4
Census Block	4011
Census Tract	11200

Owner

384 Broad St is owned and occupied by an individual who bought it in June 2013.

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

Owner of Record	Individual Name on File
Mailing Address	384 BROAD ST, CUMBERLAND, RI 02864-7810
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE
Sep 5, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING GROUP INC
Jul 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Dec 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Apr 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2013 · Amount on File
Deed Sale	Jun 14, 2013 · Amount on File
Prior Sale	Nov 13, 2002 · Amount on File
Deed Document Number	20136
Deed Book / Page	1617 / 128
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 11, 2026
Property Address	384 BROAD ST, CUMBERLAND, RI 02864-7810
Document Number	0000156419
Book / Page	2036 / 939
Instrument Date	Aug 7, 2026
Instrument	2026156419
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	384 BROAD ST, CUMBERLAND, RI 02864-7810

Mortgage

Document Number	0000156419,
Date	Aug 11, 2026
Book Page	2036/939
Instrument	2026156419

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	384 BROAD ST, CUMBERLAND, RI 02864-7810
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001963-363
Date	Sep 5, 2023
Book Page	1963/363
Instrument	140458

Lender

Name	PROVIDENT FUNDING GROUP INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	384 BROAD ST, CUMBERLAND, RI 02864-7810
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001896-469
Date	Jul 13, 2021
Book Page	1896/469
Instrument	125708

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2046

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	384 BROAD ST, CUMBERLAND, RI 02864-7810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1823-500
Date	Dec 12, 2019
Book Page	1823/500

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	384 BROAD ST, CUMBERLAND, RI 02864-7810
Document Number	1740-543
Book / Page	001740 / 000543
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1740-543
Date	Apr 27, 2017
Book Page	001740/000543

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 384 Broad St was $4,024, up 0.6% 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	$4,024.00 (+0.63%)	$402,000 (+23.35%) Land $138,100 Building $263,900	$418,165
2025	$3,999.00	$325,900 Land $100,900 Building $225,000
2023	$3,787.00 (+10.99%)	$325,900 (+43.19%) Land $100,900 Building $225,000
2022	$3,412.00	$227,600 Land $61,700 Building $165,900

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

Flood

FEMA maps place 384 Broad St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2001.

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	4 in force
Nearby Flood Claims	7 (2001–2010)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2010 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims

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 384 Broad 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 99.1% of the US · lower than 97.9% 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.

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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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