45 W Barrows St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 45 W Barrows St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,581 sqft · built 1958
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Nov 2019)
Tax Bill	$4,454 (2026)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`9969-29`

Property Details

APN / Parcel Number

Primary APN	`9969-29`
Alternative APN	`CUMB M:007 B:0367 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,581 sqft Living Area
Gross Area	3,110 sqft
1st Floor Area	996 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9969-29
Street Address	45 W BARROWS ST
City	CUMBERLAND
State	RI
Zip	02864-7404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	367
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	5
Census Block	5009
Census Tract	11200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lonsdale Historic District listed 1984 · 121 contributing resources · NRIS 84002022

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

45 W Barrows St is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 W BARROWS ST, CUMBERLAND, RI 02864-7404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 22, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage HOME LOAN AND INVESTMENT BANK FSB
Aug 28, 2017	Warranty Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2019 · Amount on File
Deed Sale	Nov 22, 2019 · Amount on File
Prior Sale	Jul 15, 2013 · Amount on File
Deed Book / Page	1821 / 605
Transfer Doc	1751-938
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Nov 22, 2019
Property Address	45 W BARROWS ST, CUMBERLAND, RI 02864-7404
Document Number	001821-605
Book / Page	1821 / 605
Instrument Date	Nov 22, 2019
Transaction Type	Transfer
Record Updated	Jun 24, 2022

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
Address	153 BENT ST, FRANKLIN, MA 02038-1001

Mortgage

Document Number	0001821608
Date	Nov 22, 2019
Instrument	1821/608

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Aug 28, 2017
Property Address	45 W BARROWS ST, CUMBERLAND, RI 02864-7404
Document Number	1751-938
Book / Page	001751 / 000938
Instrument Date	Aug 14, 2017
Transaction Type	Transfer
Record Updated	Sep 26, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 W BARROWS ST CUMBERLAND RI 028647404, CUMBERLAND, RI 02864-7404

Tax Assessment & Valuation

The 2026 property tax bill for 45 W Barrows St was $4,454, up 13.4% 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	$4,454.00 (+13.39%)	$445,000 (+39.02%) Land $172,700 Building $272,300	$457,564
2025	$3,928.00	$320,100 Land $87,700 Building $232,400
2023	$3,720.00 (-3.25%)	$320,100 (+24.8%) Land $87,700 Building $232,400
2022	$3,845.00	$256,500 Land $64,300 Building $192,200

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

Flood

FEMA maps place 45 W Barrows St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 45 W Barrows 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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