43 Hillside Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 43 Hillside Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 1975
Lot Size	0.999 acres (43,516 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Dec 2023)
Tax Bill	$4,984 (2026)
Deeds & Mortgages	Oct 2024 Refinance Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-0018-10`

Property Details

APN / Parcel Number

Primary APN	`3-0018-10`
Alternative APNs	`CUMB M:026 B:0274 L:000` `1-0006-11`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,516 sqft (0.999 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3-0018-10
Street Address	43 HILLSIDE RD
City	CUMBERLAND
State	RI
Zip	02864-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	274
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2020
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	43 HILLSIDE RD, CUMBERLAND, RI 02864-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Dec 18, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Jan 14, 2021	Warranty Deed, Transfer · FHA Mortgage SEMPER HOME LOANS INC
May 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK
Jun 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Jan 14, 2021 · Amount on Record
Deed Book / Page	1969 / 618
Transfer Doc	1510-763
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	43 HILLSIDE RD, CUMBERLAND, RI 02864-3202
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001987-811
Date	Oct 4, 2024
Book Page	1987/811
Instrument	146049

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Dec 18, 2023
Property Address	43 HILLSIDE RD, CUMBERLAND, RI 02864-3202
Document Number	001969-618
Book / Page	1969 / 618
Instrument Date	Dec 18, 2023
Instrument	142019
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 HILLSIDE RD, CUMBERLAND, RI 02864-3202

Mortgage

Document Number	0000142020
Date	Dec 18, 2023
Instrument	142020

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jan 14, 2021
Property Address	43 HILLSIDE RD, CUMBERLAND, RI 02864-3202
Document Number	1871-892
Book / Page	1871 / 892
Instrument Date	Jan 13, 2021
Instrument	120739
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
Address	51 FRONT ST APT 228, 228, CUMBERLAND, RI 02864-4849

Mortgage

Document Number	120740
Date	Jan 14, 2021
Instrument	120740

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	43 HILLSIDE RD, CUMBERLAND, RI 02864-3202
Document Number	1775-144
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1775-144
Date	Jun 7, 2018
Book Page	001775/000144

Lender

Name	FLAGSTAR BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	43 HILLSIDE RD, CUMBERLAND, RI 02864-3202
Document Number	1746-243
Book / Page	001746 / 000243
Instrument Date	Jun 23, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 HILLSIDE RD CUMBERLAND RI 028643202, CUMBERLAND, RI 02864-3202

Mortgage

Document Number	1746-243
Date	Jun 29, 2017
Book Page	001746/000243

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$4,984.00 (-0.66%)	$497,900 (+21.77%) Land $241,600 Building $256,300	$527,695
2025	$5,017.00 (+5.6%)	$408,900 (-) Land $178,200 Building $230,700
2023	$4,751.00 (-0.52%)	$408,900 (+28.34%) Land $178,200 Building $230,700
2022	$4,776.00	$318,600 Land $138,600 Building $180,000

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	2 in force

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 205 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

Cell Coverage

5G and 4G LTE (outdoors only)

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