Cumberland Town property record for 40 Duchess Rd, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,506 sqft · built 1952 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Apr 2018) |
| Tax Bill | $4,269 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Jan 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9938-32 |
| Primary APN | 9938-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,506 sqft Living Area |
| Gross Area | 3,183 sqft |
| 1st Floor Area | 1,042 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 9938-32 |
|---|---|
| Street Address | 40 DUCHESS RD |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-2032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 1474 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 11403 |
40 Duchess Rd is owned and occupied by two individuals who acquired it in January 2021.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 DUCHESS RD, CUMBERLAND, RI 02864-2032 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 9, 2025 | Deed of Trust, Mortgage NAVIGANT CREDIT UNION |
| Jan 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SEACOAST MORTGAGE CORPORATION |
| Jan 21, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Apr 10, 2018 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2018 · Amount on File |
| Deed Sale | Apr 10, 2018 · Amount on File |
| Prior Sale | Jul 28, 1995 · Amount on File |
| Deed Book / Page | 1770 / 54 |
| Last Transfer Date | Jan 15, 2021 |
| Transfer Doc | 1872-687 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 40 DUCHESS RD, CUMBERLAND, RI 02864-2032 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002010-132 |
|---|---|
| Date | Sep 9, 2025 |
| Book Page | 2010/132 |
| Instrument | 151004 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 61 Months |
| Due | Oct 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 40 DUCHESS RD, CUMBERLAND, RI 02864-2032 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001872-689 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 1872/689 |
| Instrument | 120915 |
| Name | SEACOAST MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jan 21, 2021 |
| Property Address | 40 DUCHESS RD, CUMBERLAND, RI 02864-2032 |
| Document Number | 001872-687 |
| Book / Page | 1872 / 687 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 120914 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 DUCHESS RD, CUMBERLAND, RI 02864-2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Apr 10, 2018 |
| Property Address | 40 DUCHESS RD, CUMBERLAND, RI 02864-2032 |
| Document Number | 1770-54 |
| Book / Page | 001770 / 000054 |
| Instrument Date | Apr 9, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40 DUCHESS RD CUMBERLAND RI 028642032, CUMBERLAND, RI 02864-2032 |
| Document Number | 1770-57 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 001770/000057 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2048 |
The 2026 property tax bill for 40 Duchess Rd was $4,269, up 6.9% 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 | $4,269.00 (+6.86%) | $426,500 (+30.99%) Land $188,300 Building $238,200 | $448,193 |
| 2025 | $3,995.00 | $325,600 Land $122,200 Building $203,400 | |
| 2023 | $3,783.00 (+2.05%) | $325,600 (+31.66%) Land $122,200 Building $203,400 | |
| 2022 | $3,707.00 | $247,300 Land $96,000 Building $151,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Duchess Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.
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 | 1 in force |
| Nearby Flood Claims | 1 (2005) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2005 · 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 40 Duchess 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 | None beyond ember reach |
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 469 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 |
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