403 Broad St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 403 Broad St, Cumberland, RI 02864

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 756 sqft · built 1880
Lot Size	0.169 acres (7,362 sqft)
Owner	Individual Name on Record
Last Sale	$457,000 (Mar 2022)
Tax Bill	$4,495 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-0007-64`

Property Details

APN / Parcel Number

Primary APN	`3-0007-64`
Alternative APN	`CUMB M:004 B:0174 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Building Area	756 sqft Living Area
Gross Area	1,331 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	7,362 sqft (0.169 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	3-0007-64
Street Address	403 BROAD ST
City	CUMBERLAND
State	RI
Zip	02864-7820
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	40
Legal Block	174
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	5
Census Block	5014
Census Tract	11200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lonsdale Historic District listed 1984 · 121 contributing resources · NRIS 84002022

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	403 BROAD ST, CUMBERLAND, RI 02864-7820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 14, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Mar 14, 2022	Warranty Deed, Transfer
Feb 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Deed Document Number	2022131767
Deed Book / Page	1925 / 452
Last Transfer Date	Sep 30, 2024
Transfer Doc	001987-398
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 21, 2026
Property Address	403 BROAD ST, CUMBERLAND, RI 02864-7820
Document Number	0000156633
Book / Page	2038 / 100
Instrument Date	Aug 7, 2026
Instrument	2026156633
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 BROAD ST, CUMBERLAND, RI 02864-7820

Mortgage

Document Number	0000156633,
Date	Aug 21, 2026
Book Page	2038/100
Instrument	2026156633

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Mar 14, 2022
Property Address	403 BROAD ST, CUMBERLAND, RI 02864-7820
Document Number	001925-452
Book / Page	1925 / 452
Instrument Date	Mar 14, 2022
Instrument	131767
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	17238 HICKORY WIND DR, CLERMONT, FL 34711-8678

Mortgage

Document Number	0000131768
Date	Mar 14, 2022
Instrument	131768

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Mar 14, 2022
Property Address	403 BROAD ST, CUMBERLAND, RI 02864-7820
Document Number	001925-518
Book / Page	1925 / 518
Instrument Date	Mar 14, 2022
Instrument	131787
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Feb 3, 2017
Property Address	403 BROAD ST, CUMBERLAND, RI 02864-7820
Document Number	1734-568
Book / Page	001734 / 000568
Instrument Date	Jan 31, 2017
Transaction Type	Transfer
Record Updated	Mar 7, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	403 BROAD ST CUMBERLAND RI 028647820, CUMBERLAND, RI 02864-7820

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
2026	$4,495.00 (-1.94%)	$449,100 (+20.21%) Land $147,300 Building $301,800
2025	$4,584.00 (+5.6%)	$373,600 (-) Land $107,500 Building $266,100
2023	$4,341.00 (+6.95%)	$373,600 (+37.96%) Land $107,500 Building $266,100
2022	$4,059.00	$270,800 Land $65,800 Building $205,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective June 22, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 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	PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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