3889 Mendon Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 3889 Mendon Rd, Cumberland, RI 02864

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 3,304 sqft · built 1930
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on Record
Last Sale	$645,000 (Apr 2026)
Tax Bill	$6,037 (2026)
Deeds & Mortgages	Apr 2026 Second Mortgage May 2026 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-0026-09`

Property Details

APN / Parcel Number

Primary APN	`1-0026-09`
Alternative APNs	`CUMB M:052 B:0045 L:000` `8805-50`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,304 sqft Living Area
Gross Area	5,252 sqft
1st Floor Area	1,652 sqft
Basement Area	1,652 sqft
Unfinished Basement	1,652 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,011 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1-0026-09
Street Address	3889 MENDON RD
City	CUMBERLAND
State	RI
Zip	02864-1860
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	100
Legal Block	45
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1013
Census Tract	11403

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	3889 MENDON RD, CUMBERLAND, RI 02864-1860
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RHODE ISLAND MORTGAGE FINANCIAL CORPORATION
May 6, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RHODE ISLAND MORTGAGE FINANCIAL CORPORATION
Apr 6, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST COMPANY
Apr 6, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Aug 15, 2024 · Amount on Record
Deed Book / Page	2027 / 221
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 6, 2026
Property Address	3889 MENDON RD, CUMBERLAND, RI 02864-1860
Document Number	002027-241
Book / Page	2027 / 241
Instrument Date	Apr 3, 2026
Instrument	2026154412
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3889 MENDON RD, CUMBERLAND, RI 02864-1860

Mortgage

Document Number	0000154412,
Date	Apr 6, 2026
Book Page	2027/241
Instrument	2026154412

Lender

Name	RHODE ISLAND MORTGAGE FINANCIAL CORPORATION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Recording Date	May 6, 2026
Property Address	3889 MENDON RD, CUMBERLAND, RI 02864-1860
Document Number	0000154811
Book / Page	2029 / 193
Instrument Date	Apr 3, 2026
Instrument	2026154811
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3889 MENDON RD, CUMBERLAND, RI 02864-1860

Mortgage

Document Number	02029-0193,
Date	May 6, 2026
Book Page	2029/193
Instrument	2026154811

Lender

Name	RHODE ISLAND MORTGAGE FINANCIAL CORPORATION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 6, 2026
Property Address	3889 MENDON RD, CUMBERLAND, RI 02864-1860
Document Number	0000154410
Book / Page	2027 / 221
Instrument Date	Apr 1, 2026
Instrument	2026.154410
Transaction Type	Transfer
Record Updated	Apr 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3889 MENDON RD, CUMBERLAND, RI 02864-1860

Mortgage

Date	Apr 6, 2026

Lender

Name	WASHINGTON TRUST COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 6, 2026
Property Address	3889 MENDON RD, CUMBERLAND, RI 02864-1860
Document Number	002027-221
Book / Page	2027 / 221
Instrument Date	Apr 1, 2026
Instrument	2026154410
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3889 MENDON RD, CUMBERLAND, RI 02864-1860

Mortgage

Date	Apr 6, 2026

Lender

Name	WASHINGTON TRUST COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

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	$6,037.00 (+1.11%)	$603,100 (+23.94%) Land $195,300 Building $407,800	$627,579
2025	$5,971.00 (+5.61%)	$486,600 (-) Land $129,000 Building $357,600
2023	$5,654.00 (+35.49%)	$486,600 (+74.78%) Land $129,000 Building $357,600
2022	$4,173.00	$278,400 Land $90,200 Building $188,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	2 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Dec 2011 · 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 375 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

May also be available: T-Mobile.

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