Cumberland Town property record for 44 Desoto St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,784 sqft · built 1992 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $555,000 (Jan 2025) |
| Tax Bill | $6,022 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Jun 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-0028-17 |
| Primary APN | 1-0028-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,784 sqft Living Area |
| Gross Area | 3,972 sqft |
| 1st Floor Area | 892 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 988 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1-0028-17 |
|---|---|
| Street Address | 44 DESOTO ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-5802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 444 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 11302 |
44 Desoto St is owned and occupied by two individuals who bought it in January 2025.
Source: Cumberland Town records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 DESOTO ST, CUMBERLAND, RI 02864-5802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 26, 2026 | Deed of Trust, Mortgage MOVEMENT MORTGAGE |
| Jun 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance COASTAL ONE CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2025 · Amount on File |
| Deed Sale | Jan 30, 2025 · Amount on File |
| Deed Document Number | 2025147787 |
| Deed Book / Page | 1995 / 534 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 44 DESOTO ST, CUMBERLAND, RI 02864-5802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002021-468 |
|---|---|
| Date | Jan 26, 2026 |
| Book Page | 2021/468 |
| Instrument | 153346 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 44 DESOTO ST, CUMBERLAND, RI 02864-5802 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001934-166 |
|---|---|
| Date | Jun 23, 2022 |
| Book Page | 1934/166 |
| Instrument | 133703 |
| Name | COASTAL ONE CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2047 |
The 2026 property tax bill for 44 Desoto St was $6,022, up 3.4% from the year before.
Source: Cumberland Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,022.00 (+3.44%) | $601,600 (+26.79%) Land $226,000 Building $375,600 | $577,528 |
| 2025 | $5,822.00 | $474,500 Land $150,700 Building $323,800 | |
| 2023 | $5,514.00 (+2.55%) | $474,500 (+32.28%) Land $150,700 Building $323,800 | |
| 2022 | $5,377.00 | $358,700 Land $107,600 Building $251,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Desoto 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 risk around 44 Desoto St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 284 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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