Cumberland Town property record for 44 Seneca St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,084 sqft · built 1938 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $439,900 (Dec 2023) |
| Tax Bill | $3,612 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Dec 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-2686-50 |
| Primary APN | 16-2686-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,084 sqft Living Area |
| Gross Area | 2,704 sqft |
| 1st Floor Area | 792 sqft |
| Attic | Attic |
| Attic Area | 240 sqft |
| Basement Area | 256 sqft |
| Unfinished Basement | 256 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3-0017-98 |
|---|---|
| Street Address | 44 SENECA ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-5918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 166 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 11302 |
44 Seneca St is owned and occupied by two individuals who bought it in December 2023.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 SENECA ST, CUMBERLAND, RI 02864-5918 |
| 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.
| Date | Document |
|---|---|
| Oct 7, 2025 | Deed of Trust, Mortgage GUILD MORTGAGE CO |
| Dec 7, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO |
| Mar 17, 2023 | Warranty Deed, Transfer |
| Aug 14, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2023 · Amount on File |
| Deed Sale | Dec 7, 2023 · Amount on File |
| Prior Sale | Mar 17, 2023 · Amount on File |
| Deed Book / Page | 1968 / 932 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 44 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002012-651 |
|---|---|
| Date | Oct 7, 2025 |
| Book Page | 2012/651 |
| Instrument | 151494 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Dec 7, 2023 |
| Property Address | 44 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Document Number | 001968-932 |
| Book / Page | 1968 / 932 |
| Instrument Date | Dec 7, 2023 |
| Instrument | 141813 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 44 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Document Number | 0000141814 |
|---|---|
| Date | Dec 7, 2023 |
| Instrument | 141814 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Mar 17, 2023 |
| Property Address | 44 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Document Number | 001952-191 |
| Book / Page | 1952 / 191 |
| Instrument Date | Mar 16, 2023 |
| Instrument | 137939 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 OAK VALLEY LN, HARRISVILLE, RI 02830-1892 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 44 SENECA ST, CUMBERLAND, RI 02864-5918 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE GROUP |
| Name | Verified Name |
|---|
| Document Number | 1810-302 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 1810/302 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 44 Seneca St was $3,612, down 8.1% 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 | $3,612.00 (-8.11%) | $360,800 (+12.61%) Land $184,200 Building $176,600 | $421,886 |
| 2025 | $3,931.00 | $320,400 Land $122,800 Building $197,600 | |
| 2023 | $3,421.00 (+13.5%) | $294,400 (+46.39%) Land $122,800 Building $171,600 | |
| 2022 | $3,014.00 | $201,100 Land $87,700 Building $113,400 |
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.
FEMA maps place 44 Seneca 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 A, 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 risk around 44 Seneca 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 97% of the US · lower than 91% 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 159 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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