439 Broad St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 439 Broad St, Cumberland, RI 02864

Property Summary

Property Type	Triplex
Details	3 bd · 3 ba · 1,805 sqft · built 1900
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$227,500 (Aug 2018)
Tax Bill	$4,805 (2026)
Deeds & Mortgages	Sep 2020 Refinance Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9941-78`

Property Details

APN / Parcel Number

Primary APN	`9941-78`
Alternative APN	`CUMB M:007 B:0463 L:000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Units	3 Units
Stories	2 Stories
Building Area	1,805 sqft Living Area
Gross Area	3,107 sqft
1st Floor Area	768 sqft
Attic	Attic
Attic Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9941-78
Street Address	439 BROAD ST
City	CUMBERLAND
State	RI
Zip	02864-7850
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	40
Legal Block	463
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

439 Broad St, a triplex, is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	439 BROAD ST, CUMBERLAND, RI 02864-7850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE
Aug 28, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2018 · Amount on File
Deed Sale	Aug 28, 2018 · Amount on File
Prior Sale	Dec 12, 2011 · Amount on File
Deed Book / Page	1782 / 124
Transfer Doc	1542-93
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	439 BROAD ST, CUMBERLAND, RI 02864-7850
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1853-76
Date	Sep 2, 2020
Book Page	1853/76
Instrument	116860

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 28, 2018
Property Address	439 BROAD ST, CUMBERLAND, RI 02864-7850
Document Number	1782-124
Book / Page	1782 / 124
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.34
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

Mortgage

Document Number	17820126
Date	Aug 28, 2018
Instrument	01782/0126

Lender

Name	MOVEMENT MTG LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 439 Broad St was $4,805, up 8.1% 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	$4,805.00 (+8.15%)	$480,000 (+32.56%) Land $146,500 Building $333,500
2025	$4,443.00	$362,100 Land $100,000 Building $262,100
2023	$4,208.00 (+20.44%)	$362,100 (+55.34%) Land $100,000 Building $262,100
2022	$3,494.00	$233,100 Land $66,200 Building $166,900

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

Flood

FEMA maps place 439 Broad St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
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 439 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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