437 Broad St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 437 Broad St, Cumberland, RI 02864

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 2,510 sqft · built 1889
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Feb 2024)
Tax Bill	$5,544 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`3-0018-82`

Property Details

APN / Parcel Number

Primary APN	`3-0018-82`
Alternative APNs	`CUMB M:007 B:0464 L:000` `1-1425-00`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,510 sqft Living Area
Gross Area	4,048 sqft
1st Floor Area	1,008 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,621 sqft (0.152 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3-0018-82
Street Address	437 BROAD ST
City	CUMBERLAND
State	RI
Zip	02864-7851
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	40
Legal Block	464
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	5
Census Block	5011
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

437 Broad St, a triplex, is owned and occupied by an individual who bought it in February 2024.

Source: Cumberland Town records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	437 BROAD ST, CUMBERLAND, RI 02864-7851
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2024 · Amount on File
Deed Sale	Feb 16, 2024 · Amount on File
Prior Sale	Feb 10, 1995 · Amount on File
Deed Document Number	2024142723
Deed Book / Page	1972 / 561
Transfer Doc	0626000137
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Feb 16, 2024
Property Address	437 BROAD ST, CUMBERLAND, RI 02864-7851
Document Number	001972-561
Book / Page	1972 / 561
Instrument Date	Feb 15, 2024
Instrument	142723
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount on Record
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	437 BROAD ST, CUMBERLAND, RI 02864-7851

Mortgage

Document Number	0000142724
Date	Feb 16, 2024
Instrument	142724

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	437 BROAD ST, CUMBERLAND, RI 02864-7851
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1876-641
Date	Feb 16, 2021
Book Page	1876/641
Instrument	121647

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 437 Broad St was $5,544, up 7.8% from the year before.

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	$5,544.00 (+7.78%)	$553,800 (+32.11%) Land $150,400 Building $403,400
2025	$5,144.00	$419,200 Land $102,700 Building $316,500
2023	$4,871.00 (+20.99%)	$419,200 (+56.07%) Land $102,700 Building $316,500
2022	$4,026.00	$268,600 Land $67,900 Building $200,700

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

Flood

FEMA maps place 437 Broad St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

The area around 437 Broad St has no burnable land within ember reach, so its wildfire risk is not rated.

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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