388 High St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 388 High St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1960
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$101,500 (Mar 1998)
Tax Bill	$4,761 (2026)
Deeds & Mortgages	Jul 2020 Refinance Oct 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`163-96`

Property Details

APN / Parcel Number

Primary APN	`163-96`
Alternative APN	`CUMB M:004 B:0145 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	2,988 sqft
1st Floor Area	1,612 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
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

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	163-96
Street Address	388 HIGH ST
City	CUMBERLAND
State	RI
Zip	02864-7935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	145
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	5
Census Block	5012
Census Tract	11200

Owner

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	Individual Name on Record
Mailing Address	388 HIGH ST, CUMBERLAND, RI 02864-7935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Oct 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU
Dec 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC HM LOANS
Aug 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU
Jan 3, 2017	Quit Claim Deed, Transfer · Conventional Mortgage ATLANTIC HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 1998 · Amount on Record
Deed Sale	Mar 27, 1998 · Amount on Record
Deed Book / Page	740 / 11
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	388 HIGH ST, CUMBERLAND, RI 02864-7935
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1846-791
Date	Jul 17, 2020
Book Page	1846/791
Instrument	115626

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	388 HIGH ST, CUMBERLAND, RI 02864-7935
Document Number	1786-108
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 HIGH ST CUMBERLAND RI 028647935, CUMBERLAND, RI 02864-7935

Mortgage

Document Number	1786-108
Date	Oct 16, 2018
Book Page	001786/000108

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	388 HIGH ST, CUMBERLAND, RI 02864-7935
Document Number	1761-442
Book / Page	001761 / 000442
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 HIGH ST CUMBERLAND RI 028647935, CUMBERLAND, RI 02864-7935

Mortgage

Document Number	1761-442
Date	Dec 13, 2017
Book Page	001761/000442

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 12, 2037

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	388 HIGH ST, CUMBERLAND, RI 02864-7935
Document Number	1751-132
Book / Page	001751 / 000132
Instrument Date	Aug 9, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 HIGH ST CUMBERLAND RI 028647935, CUMBERLAND, RI 02864-7935

Mortgage

Document Number	1751-132
Date	Aug 17, 2017
Book Page	001751/000132

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jan 3, 2017
Property Address	388 HIGH ST, CUMBERLAND, RI 02864-7935
Document Number	1732-394
Book / Page	001732 / 000394
Instrument Date	Dec 19, 2016
Transaction Type	Transfer
Record Updated	Feb 2, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 HIGH ST CUMBERLAND RI 028647935, CUMBERLAND, RI 02864-7935

Mortgage

Document Number	1732-419,
Date	Jan 3, 2017
Book Page	001732/000419

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2047

Tax Assessment & Valuation

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	$4,761.00 (+22.8%)	$475,600 (+50.51%) Land $197,000 Building $278,600	$436,567
2025	$3,877.00 (+5.58%)	$316,000 (-) Land $100,100 Building $215,900
2023	$3,672.00 (-13.25%)	$316,000 (+11.9%) Land $100,100 Building $215,900
2022	$4,233.00	$282,400 Land $73,400 Building $209,000

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

Flood

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.

Wildfire

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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