Cumberland Town property record for 45 Middle St, Cumberland, RI 02864
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,541 sqft · built 1870 |
| Lot Size | 0.118 acres (5,140 sqft) |
| Owner | Trust Name on Record |
| Tax Bill | $4,518 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 102-89 |
| Primary APN | 102-89 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,541 sqft Living Area |
| Gross Area | 4,356 sqft |
| 1st Floor Area | 1,452 sqft |
| Basement Area | 1,452 sqft |
| Unfinished Basement | 1,452 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,140 sqft (0.118 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 102-89 |
|---|---|
| Street Address | 45 MIDDLE ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-4832 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 120 |
| Legal Block | 12 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 11301 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Ashton Historic District listed 1984 · 83 contributing resources · NRIS 84000367 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | Trust Name on Record |
|---|---|
| Mailing Address | 43 MIDDLE ST, CUMBERLAND, RI 02864-4832 |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
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 | $4,518.00 (+23.31%) | $451,300 (+51.14%) Land $138,700 Building $312,600 | $527,471 |
| 2025 | $3,664.00 (+5.59%) | $298,600 (-) Land $101,200 Building $197,400 | |
| 2023 | $3,470.00 (+5.5%) | $298,600 (+36.1%) Land $101,200 Building $197,400 | |
| 2022 | $3,289.00 | $219,400 Land $62,000 Building $157,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 10 (1979–2023) |
| Claims Outside the SFHA | 3 of 10 |
| Most Recent Claim | Dec 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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 93% of the US · lower than 77% 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 229 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 |
| AT&T Fixed Wireless | 100 / 20 |
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