4 Melody Ln, Cumberland, RI 02864 Property Records

Cumberland Town property record for 4 Melody Ln, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,764 sqft · built 1964
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2011)
Tax Bill	$5,800 (2026)
Deeds & Mortgages	May 2023 Sale Oct 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-0018-45`

Property Details

APN / Parcel Number

Primary APN	`3-0018-45`
Alternative APNs	`CUMB M:025 B:0064 L:000` `9124-10`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,764 sqft Living Area
Gross Area	3,646 sqft
1st Floor Area	1,764 sqft
Basement Area	976 sqft
Unfinished Basement	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	3-0018-45
Street Address	4 MELODY LN
City	CUMBERLAND
State	RI
Zip	02864-4207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	64
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1014
Census Tract	11404

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 MELODY LN, CUMBERLAND, RI 02864-4207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed, Transfer
Oct 14, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU
Jan 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2011 · Amount on Record
Deed Sale	Jul 15, 2011 · Amount on Record
Prior Sale	Feb 4, 1997 · Amount on Record
Deed Book / Page	1539 / 795
Last Transfer Date	Oct 4, 2022
Transfer Doc	001943-198
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND RI
Recording Date	May 30, 2023
Property Address	4 MELODY LN, CUMBERLAND, RI 02864-4207
Document Number	001957-162
Book / Page	1957 / 162
Instrument Date	May 26, 2023
Instrument	139000
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4 MELODY LN, CUMBERLAND, RI 02864-4207

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Oct 14, 2022
Property Address	4 MELODY LN, CUMBERLAND, RI 02864-4207
Document Number	001943-198
Book / Page	1943 / 198
Instrument Date	Oct 4, 2022
Instrument	135772
Transaction Type	Transfer
Record Updated	Oct 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4 MELODY LN, CUMBERLAND, RI 02864-4207

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	4 MELODY LN, CUMBERLAND, RI 02864-4207
Document Number	1834-474
Instrument Date	Mar 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MELODY LN CUMBERLAND RI 028644207, CUMBERLAND, RI 02864-4207

Mortgage

Document Number	1834-474
Date	Apr 3, 2020
Book Page	001834/000474
Instrument	113155

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 2, 2045

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	4 MELODY LN, CUMBERLAND, RI 02864-4207
Document Number	1794-241
Instrument Date	Jan 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MELODY LN CUMBERLAND RI 028644207, CUMBERLAND, RI 02864-4207

Mortgage

Document Number	1794-241
Date	Feb 6, 2019
Book Page	001794/000241

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$5,800.00 (-1.29%)	$579,400 (+20.99%) Land $267,200 Building $312,200	$608,065
2025	$5,876.00 (+5.59%)	$478,900 (-) Land $193,200 Building $285,700
2023	$5,565.00 (+2.64%)	$478,900 (+32.4%) Land $193,200 Building $285,700
2022	$5,422.00	$361,700 Land $139,200 Building $222,500

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	3 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2021 · 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 235 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

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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