39 Cook Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 39 Cook Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,874 sqft · built 1988
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$399,900 (Mar 2018)
Tax Bill	$5,593 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9937-91`

Property Details

APN / Parcel Number

Primary APN	`9937-91`
Alternative APN	`CUMB M:049 B:0022 L:000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,874 sqft Living Area
Gross Area	3,808 sqft
1st Floor Area	1,276 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9937-91
Street Address	39 COOK RD
City	CUMBERLAND
State	RI
Zip	02864-1128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	30
Legal Block	22
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1027
Census Tract	11402

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	39 COOK RD, CUMBERLAND, RI 02864-1128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN MORTGAGE CORP
Mar 23, 2018	Quit Claim Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Deed Book / Page	1768 / 500
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	39 COOK RD, CUMBERLAND, RI 02864-1128
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002012-339
Date	Oct 2, 2025
Book Page	2012/339
Instrument	151417

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	39 COOK RD, CUMBERLAND, RI 02864-1128
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1858-225
Date	Oct 7, 2020
Book Page	1858/225
Instrument	117908

Lender

Name	AMERICAN MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Mar 23, 2018
Property Address	39 COOK RD, CUMBERLAND, RI 02864-1128
Document Number	1768-500
Book / Page	001768 / 000500
Instrument Date	Mar 21, 2018
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 PLYMOUTH DR #D NORWOOD MA 020625430, D, NORWOOD, MA 02062-5430

Mortgage

Document Number	1768-506
Date	Mar 23, 2018
Book Page	001768/000506

Lender

Name	BROKER SOLUTIONS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 22, 2033

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	$5,593.00 (+0.07%)	$558,700 (+22.66%) Land $304,100 Building $254,600	$589,153
2025	$5,589.00 (+5.59%)	$455,500 (-) Land $219,800 Building $235,700
2023	$5,293.00 (-5.41%)	$455,500 (+22.02%) Land $219,800 Building $235,700
2022	$5,596.00	$373,300 Land $158,400 Building $214,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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