Cumberland Town property record for 45 Kay St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,122 sqft · built 1985 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,613 (2026) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8-2978-00 |
| Primary APN | 8-2978-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,122 sqft Living Area |
| Gross Area | 2,638 sqft |
| 1st Floor Area | 1,122 sqft |
| Basement Area | 1,050 sqft |
| Unfinished Basement | 1,050 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 8-2978-00 |
|---|---|
| Street Address | 45 KAY ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-2312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 194 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 11403 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Lime Kilns listed 1984 · 3 contributing resources · NRIS 84002015 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
45 Kay St is owner-occupied and held in a trust.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 45 KAY ST, CUMBERLAND, RI 02864-2312 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 45 KAY ST, CUMBERLAND, RI 02864-2312 |
| Document Number | 1756-241 |
| Book / Page | 001756 / 000241 |
| Instrument Date | Oct 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 45 KAY ST CUMBERLAND RI 028642312, CUMBERLAND, RI 02864-2312 |
| Document Number | 1756-241 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 001756/000241 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 17, 2047 |
The 2026 property tax bill for 45 Kay St was $4,613, up 4.2% 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 | $4,613.00 (+4.23%) | $460,800 (+27.75%) Land $219,600 Building $241,200 | $440,336 |
| 2025 | $4,426.00 | $360,700 Land $146,400 Building $214,300 | |
| 2023 | $4,191.00 (+2.75%) | $360,700 (+32.56%) Land $146,400 Building $214,300 | |
| 2022 | $4,079.00 | $272,100 Land $104,500 Building $167,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Kay St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.
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 | 3 (1982–2010) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Mar 2010 · Severe Storms And 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 risk around 45 Kay St is low, with 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 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 305 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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