Cumberland Town property record for 4 Windsong Rd, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,990 sqft · built 1999 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $642,000 (Jan 2022) |
| Tax Bill | $6,895 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Jan 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-0007-22 |
| Primary APN | 3-0007-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,990 sqft Living Area |
| Gross Area | 4,545 sqft |
| 1st Floor Area | 1,035 sqft |
| Basement Area | 1,035 sqft |
| Unfinished Basement | 1,035 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,443 sqft (0.63 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 3-0007-22 |
|---|---|
| Street Address | 4 WINDSONG RD |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-2727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 999 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 11402 |
4 Windsong Rd is owned and occupied by two individuals who bought it in January 2022.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 WINDSONG RD, CUMBERLAND, RI 02864-2727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jan 25, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU |
| Dec 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Jul 9, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK RHODE ISLAND |
| Aug 18, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 25, 2022 · Amount on File |
| Deed Sale | Jan 25, 2022 · Amount on File |
| Prior Sale | May 21, 2014 · Amount on File |
| Deed Book / Page | 1920 / 653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 4 WINDSONG RD, CUMBERLAND, RI 02864-2727 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001907-305 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 1907/305 |
| Instrument | 127885 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jan 25, 2022 |
| Property Address | 4 WINDSONG RD, CUMBERLAND, RI 02864-2727 |
| Document Number | 001920-653 |
| Book / Page | 1920 / 653 |
| Instrument Date | Jan 25, 2022 |
| Instrument | 130736 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4 WINDSONG RD, CUMBERLAND, RI 02864-2727 |
| Document Number | 0000130737 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 130737 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 4 WINDSONG RD, CUMBERLAND, RI 02864-2727 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1868-608 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 1868/608 |
| Instrument | 120042 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 4 WINDSONG RD, CUMBERLAND, RI 02864-2727 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1806-542 |
|---|---|
| Date | Jul 9, 2019 |
| Book Page | 1806/542 |
| Name | BANK RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 4 WINDSONG RD, CUMBERLAND, RI 02864-2727 |
| Document Number | 1752-228 |
| Book / Page | 001752 / 000228 |
| Instrument Date | Aug 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2017 |
| Name | Verified Name |
|---|---|
| Address | 4 WINDSONG RD CUMBERLAND RI 028642727, CUMBERLAND, RI 02864-2727 |
| Document Number | 1752-228 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 001752/000228 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2047 |
The 2026 property tax bill for 4 Windsong Rd was $6,895, down 4.2% from the year before.
Source: Cumberland Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,895.00 (-4.16%) | $688,800 (+17.48%) Land $248,000 Building $440,800 | $728,965 |
| 2025 | $7,194.00 | $586,300 Land $183,400 Building $402,900 | |
| 2023 | $6,813.00 (+9.78%) | $586,300 (+41.62%) Land $183,400 Building $402,900 | |
| 2022 | $6,206.00 | $414,000 Land $140,000 Building $274,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Windsong Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| 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 risk around 4 Windsong Rd is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 181 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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