44 Howe St, Cumberland, RI 02864 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,560 sqft · built 1985
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on File
Last Sale	$479,900 (Apr 2024)
Tax Bill	$4,772 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-0019-53`

Property Details

APN / Parcel Number

Primary APN	`3-0019-53`
Alternative APNs	`CUMB M:004 B:0051 L:000` `2-87`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3-0019-53
Street Address	44 HOWE ST
City	CUMBERLAND
State	RI
Zip	02864-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	51
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2018
Census Tract	11200

Owner

44 Howe St is owned and occupied by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 HOWE ST, CUMBERLAND, RI 02864-8005
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
Oct 28, 2025	Deed of Trust, Mortgage NBKC BANK
Apr 1, 2024	Deed, Transfer · FHA Mortgage PENTAGON FCU
Dec 17, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Oct 22, 1993 · Amount on File
Deed Document Number	2024143310
Deed Book / Page	1975 / 98
Prior Transfer Date	Dec 14, 2018
Prior Transfer Doc	1790-893
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	44 HOWE ST, CUMBERLAND, RI 02864-8005
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002014-128
Date	Oct 28, 2025
Book Page	2014/128
Instrument	151793

Lender

Name	NBKC BANK

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Apr 1, 2024
Property Address	44 HOWE ST, CUMBERLAND, RI 02864-8005
Document Number	0001975-98
Book / Page	1975 / 98
Instrument Date	Apr 1, 2024
Instrument	143310
Transaction Type	Transfer
Record Updated	Apr 18, 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
Relationship	Joint Tenants
Address	44 HOWE ST, CUMBERLAND, RI 02864-8005

Mortgage

Document Number	0000143312
Date	Apr 1, 2024
Instrument	143312

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Dec 17, 2018
Property Address	44 HOWE ST, CUMBERLAND, RI 02864-8005
Document Number	1790-893
Book / Page	001790 / 000893
Instrument Date	Dec 14, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	44 HOWE ST CUMBERLAND RI 028648005, CUMBERLAND, RI 02864-8005

Tax Assessment & Valuation

The 2026 property tax bill for 44 Howe St was $4,772, up 3.7% 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	Assessed Market Value
2026	$4,772.00 (+3.74%)	$476,700 (+27.15%) Land $189,900 Building $286,800	$470,551
2025	$4,600.00	$374,900 Land $125,400 Building $249,500
2023	$4,356.00 (+3.71%)	$374,900 (+33.8%) Land $125,400 Building $249,500
2022	$4,200.00	$280,200 Land $87,700 Building $192,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 44 Howe St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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 Claims	8 (1979–1987)
Most Recent Claim	Apr 1987 · river or lake flooding

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

The area around 44 Howe 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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