4 Douglas Dr, Cumberland, RI 02864 Property Records

Cumberland Town property record for 4 Douglas Dr, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,494 sqft · built 1998
Lot Size	1.45 acres (63,162 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Aug 2023)
Tax Bill	$7,303 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-0016-43`

Property Details

APN / Parcel Number

Primary APN	`3-0016-43`
Alternative APNs	`CUMB M:042 B:0023 L:000` `9219-19`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,494 sqft Living Area
Gross Area	4,592 sqft
1st Floor Area	1,112 sqft
Basement Area	1,094 sqft
Unfinished Basement	1,094 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	63,162 sqft (1.45 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3-0016-43
Street Address	4 DOUGLAS DR
City	CUMBERLAND
State	RI
Zip	02864-1519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	23
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2008
Census Tract	11402

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	2 Individual Names on Record
Mailing Address	4 DOUGLAS DR, CUMBERLAND, RI 02864-1519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Aug 22, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVIGANT CREDIT UNION
Sep 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Aug 1, 2017	Warranty Deed, Transfer FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Prior Sale	Aug 1, 2017 · Amount on Record
Deed Book / Page	1962 / 535
Transfer Doc	001648-785
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	4 DOUGLAS DR, CUMBERLAND, RI 02864-1519
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001951-535
Date	Mar 7, 2023
Book Page	1951/535
Instrument	137748

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

Interest

Rate Type	Adjustable Rate

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 22, 2023
Property Address	4 DOUGLAS DR, CUMBERLAND, RI 02864-1519
Document Number	001962-535
Book / Page	1962 / 535
Instrument Date	Aug 22, 2023
Instrument	140268
Transaction Type	Transfer
Record Updated	Sep 7, 2023

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
Relationship	Tenants by the Entirety
Address	4 DOUGLAS DR, CUMBERLAND, RI 02864-1519

Mortgage

Document Number	0000140269
Date	Aug 22, 2023
Instrument	140269

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	4 DOUGLAS DR, CUMBERLAND, RI 02864-1519
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001856-63
Date	Sep 25, 2020
Book Page	1856/63
Instrument	117468

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

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

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 1, 2017
Property Address	4 DOUGLAS DR, CUMBERLAND, RI 02864-1519
Document Number	001749-420
Book / Page	1749 / 420
Transaction Type	Transfer
Record Updated	Jun 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61.42
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0017490422
Date	Aug 1, 2017
Instrument	01749/0422

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 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	$7,303.00 (-2.18%)	$729,600 (+19.9%) Land $306,100 Building $423,500	$778,377
2025	$7,466.00 (+5.59%)	$608,500 (-) Land $221,800 Building $386,700
2023	$7,071.00 (+5.38%)	$608,500 (+35.95%) Land $221,800 Building $386,700
2022	$6,710.00	$447,600 Land $159,800 Building $287,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2018–2025)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2025 · 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	Indirect 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	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 110 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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