Cumberland Town property record for 45 Duchess Rd, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,504 sqft · built 1952 |
| Lot Size | 0.169 acres (7,362 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $290,000 (Aug 2020) |
| Tax Bill | $4,384 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9991-61 |
| Primary APN | 9991-61 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,504 sqft Living Area |
| Gross Area | 3,324 sqft |
| 1st Floor Area | 1,088 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,362 sqft (0.169 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 9991-61 |
|---|---|
| Street Address | 45 DUCHESS RD |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-2029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 1663 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 11403 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 45 DUCHESS RD, CUMBERLAND, RI 02864-2029 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| Apr 17, 2026 | Warranty Deed, Transfer · Line of Credit NAVIGANT CREDIT UNION |
| Aug 17, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2020 · Amount on Record |
| Deed Sale | Aug 17, 2020 · Amount on Record |
| Deed Book / Page | 1850 / 641 |
| Last Transfer Date | Apr 17, 2026 |
| Transfer Doc | 002027-936 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Apr 17, 2026 |
| Property Address | 45 DUCHESS RD, CUMBERLAND, RI 02864-2029 |
| Document Number | 002027-936 |
| Book / Page | 2027 / 936 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026154558 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 45 DUCHESS RD, CUMBERLAND, RI 02864-2029 |
| Date | Apr 17, 2026 |
|---|
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Aug 17, 2020 |
| Property Address | 45 DUCHESS RD, CUMBERLAND, RI 02864-2029 |
| Document Number | 1850-641 |
| Book / Page | 1850 / 641 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 116385 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 45 DUCHESS RD, CUMBERLAND, RI 02864-2029 |
| Document Number | 116386 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 116386 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,384.00 (+6.72%) | $438,000 (+30.82%) Land $190,200 Building $247,800 | $444,112 |
| 2025 | $4,108.00 (+5.6%) | $334,800 (-) Land $123,400 Building $211,400 | |
| 2023 | $3,890.00 (+0.75%) | $334,800 (+29.97%) Land $123,400 Building $211,400 | |
| 2022 | $3,861.00 | $257,600 Land $97,000 Building $160,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 1 in force |
| Nearby Flood Claims | 1 (2005) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2005 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 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 469 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
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