41 Nicholas Dr, Cumberland, RI 02864 Property Records

Cumberland Town property record for 41 Nicholas Dr, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,520 sqft · built 1964
Lot Size	0.398 acres (17,337 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Apr 2019)
Tax Bill	$6,774 (2026)
Deeds & Mortgages	Jun 2020 Refinance Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9963-66`

Property Details

APN / Parcel Number

Primary APN	`9963-66`
Alternative APN	`CUMB M:056 B:0035 L:000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,520 sqft Living Area
Gross Area	4,048 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,337 sqft (0.398 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9963-66
Street Address	41 NICHOLAS DR
City	CUMBERLAND
State	RI
Zip	02864-3361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	35
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1001
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	41 NICHOLAS DR, CUMBERLAND, RI 02864-3361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INLAND BANK & TRUST
Apr 12, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage INLAND BANK & TRUST
Mar 30, 2017	Warranty Deed, Transfer · ARM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2019 · Amount on Record
Deed Sale	Apr 12, 2019 · Amount on Record
Prior Sale	Mar 30, 2017 · Amount on Record
Deed Book / Page	1798 / 843
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	41 NICHOLAS DR, CUMBERLAND, RI 02864-3361
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1840-768
Date	Jun 1, 2020
Book Page	1840/768
Instrument	114379

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 12, 2019
Property Address	41 NICHOLAS DR, CUMBERLAND, RI 02864-3361
Document Number	1798-843
Book / Page	1798 / 843
Instrument Date	Aug 30, 2018
Transaction Type	Transfer
Record Updated	Jun 4, 2021

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

Mortgage

Document Number	1798845
Date	Apr 12, 2019
Instrument	1798/845

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Mar 30, 2017
Property Address	41 NICHOLAS DR, CUMBERLAND, RI 02864-3361
Document Number	1738-278
Book / Page	1738 / 278
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59.11
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	, 01738/0280
Date	Mar 30, 2017
Instrument	01738/0280

Lender

Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.63%
Max Rate At Change	40.1%
Max Rate	2.25%

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	$6,774.00 (-1.22%)	$676,700 (+21.08%) Land $270,500 Building $406,200	$663,617
2025	$6,858.00 (+5.61%)	$558,900 (-) Land $195,500 Building $363,400
2023	$6,494.00 (+4.47%)	$558,900 (+34.77%) Land $195,500 Building $363,400
2022	$6,216.00	$414,700 Land $140,900 Building $273,800

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 149 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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