43 E Earle St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 43 E Earle St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,574 sqft · built 2020
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on Record
Last Sale	$496,000 (Nov 2022)
Tax Bill	$5,410 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-0025-45`

Property Details

APN / Parcel Number

Primary APN	`1-0025-45`
Alternative APNs	`CUMB M:007 B:0534 L:000` `9965-57`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,574 sqft Living Area
Gross Area	2,762 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1-0025-45
Street Address	43 E EARLE ST
City	CUMBERLAND
State	RI
Zip	02864-7611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	534
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1020
Census Tract	11200

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	43 E EARLE ST, CUMBERLAND, RI 02864-7611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NEW AMERICAN FUNDING
Jun 10, 2020	Deed of Trust, Mortgage · Conventional with PMI NAVIGANT CU
Jul 26, 2019	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage SCOTT R SCHMITT
Jun 26, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on Record
Deed Sale	Nov 29, 2022 · Amount on Record
Prior Sale	Jul 26, 2019 · Amount on Record
Deed Book / Page	1946 / 120
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Nov 29, 2022
Property Address	43 E EARLE ST, CUMBERLAND, RI 02864-7611
Document Number	001946-120
Book / Page	1946 / 120
Instrument Date	Nov 28, 2022
Instrument	136442
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
Relationship	Joint Tenants
Address	43 E EARLE ST, CUMBERLAND, RI 02864-7611

Mortgage

Document Number	0000136443
Date	Nov 29, 2022
Instrument	136443

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	43 E EARLE ST, CUMBERLAND, RI 02864-7611
Document Number	1842-622
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 E EARLE ST CUMBERLAND RI 02864, CUMBERLAND, RI 02864

Mortgage

Document Number	1842-622
Date	Jun 18, 2020
Book Page	001842/000622
Instrument	114781

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jul 26, 2019
Property Address	43 E EARLE ST, CUMBERLAND, RI 02864-7611
Document Number	1808-500
Book / Page	1808 / 500
Instrument Date	Jul 26, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 23, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1808501
Date	Jul 26, 2019
Instrument	1808/501

Lender

Name	SCOTT R SCHMITT

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jun 26, 2019
Property Address	43 E EARLE ST, CUMBERLAND, RI 02864-7611
Document Number	1805-518
Book / Page	001805 / 000518
Instrument Date	Jun 26, 2019
Transaction Type	Transfer
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 MERRILL LN CUMBERLAND RI 028644102, CUMBERLAND, RI 02864-4102

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	$5,410.00 (+0.73%)	$540,500 (+23.49%) Land $192,500 Building $348,000	$557,370
2025	$5,371.00 (+5.6%)	$437,700 (-) Land $127,100 Building $310,600
2023	$5,086.00 (+5.15%)	$437,700 (+35.64%) Land $127,100 Building $310,600
2022	$4,837.00	$322,700 Land $88,900 Building $233,800

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 Claims	1 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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	Not rated no burnable land within 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 644 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

May also be available: T-Mobile.

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