4 Torrey Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 4 Torrey Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,927 sqft · built 1820
Lot Size	2.53 acres (110,207 sqft)
Owner	2 Individual Names on Record
Last Sale	$699,000 (Jun 2025)
Tax Bill	$6,992 (2026)
Deeds & Mortgages	Jun 2022 Refinance Jan 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-0030-25`

Property Details

APN / Parcel Number

Primary APN	`1-0030-25`
Alternative APNs	`CUMB M:057 B:0023 L:000` `150-79`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,927 sqft Living Area
Gross Area	5,697 sqft
1st Floor Area	1,816 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	1,286 sqft
Unfinished Basement	1,286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	110,207 sqft (2.53 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1-0030-25
Street Address	4 TORREY RD
City	CUMBERLAND
State	RI
Zip	02864-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	30
Legal Block	23
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1007
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 TORREY RD, CUMBERLAND, RI 02864-1220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jan 2, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 30, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Prior Sale	Dec 17, 1997 · Amount on Record
Deed Book / Page	2005 / 364
Transfer Doc	1571-657
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	4 TORREY RD, CUMBERLAND, RI 02864-1220
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001932-770
Date	Jun 2, 2022
Book Page	1932/770
Instrument	133406

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	4 TORREY RD, CUMBERLAND, RI 02864-1220
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001970-362
Date	Jan 2, 2024
Book Page	1970/362
Instrument	142201

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jun 30, 2025
Property Address	4 TORREY RD, CUMBERLAND, RI 02864-1220
Document Number	002005-364
Book / Page	2005 / 364
Instrument Date	Jun 30, 2025
Instrument	2025149968
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
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	4 TORREY RD, CUMBERLAND, RI 02864-1220

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	$6,992.00 (-7.12%)	$698,500 (+13.85%) Land $311,000 Building $387,500	$691,090
2025	$7,528.00 (+5.6%)	$613,500 (-) Land $226,700 Building $386,800
2023	$7,129.00 (+4.87%)	$613,500 (+35.28%) Land $226,700 Building $386,800
2022	$6,798.00	$453,500 Land $163,200 Building $290,300

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 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	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 11 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

Cell Coverage

5G (outdoors only) and 4G LTE

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