44 Eddy St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 44 Eddy St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,078 sqft · built 1900
Lot Size	0.184 acres (8,015 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (May 2026)
Tax Bill	$3,321 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9078-73`

Property Details

APN / Parcel Number

Primary APN	`9078-73`
Alternative APN	`CUMB M:004 B:0176 L:000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,078 sqft Living Area
Gross Area	1,864 sqft
1st Floor Area	616 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,015 sqft (0.184 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9078-73
Street Address	44 EDDY ST
City	CUMBERLAND
State	RI
Zip	02864-7809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	176
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	5
Census Block	5014
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	Individual Name on Record
Mailing Address	44 EDDY ST, CUMBERLAND, RI 02864-7809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Warranty Deed, Transfer · Conventional Mortgage LEADER BANK NA
Apr 23, 2019	Deed of Trust, Mortgage · Conventional with PMI LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Jun 21, 2013 · Amount on Record
Deed Book / Page	2029 / 548
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	May 11, 2026
Property Address	44 EDDY ST, CUMBERLAND, RI 02864-7809
Document Number	02029-0548
Book / Page	2029 / 548
Instrument Date	May 7, 2026
Instrument	2026154880
Transaction Type	Transfer
Record Updated	Jun 22, 2026

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	44 EDDY ST, CUMBERLAND, RI 02864-7809

Mortgage

Date	May 11, 2026

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Type Change Date	Jun 1, 2031
Index	1-Year CMT
Margin	3
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	44 EDDY ST, CUMBERLAND, RI 02864-7809
Document Number	1800-510
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 EDDY ST CUMBERLAND RI 028647809, CUMBERLAND, RI 02864-7809

Mortgage

Document Number	1800-510
Date	May 6, 2019
Book Page	001800/000510

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2049

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	$3,321.00 (+4.96%)	$331,800 (+28.65%) Land $187,300 Building $144,500	$369,893
2025	$3,164.00 (+5.57%)	$257,900 (-) Land $95,100 Building $162,800
2023	$2,997.00 (+21.93%)	$257,900 (+57.26%) Land $95,100 Building $162,800
2022	$2,458.00	$164,000 Land $69,700 Building $94,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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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