46 Middle St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 46 Middle St, Cumberland, RI 02864

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,792 sqft · built 2003
Lot Size	0.224 acres (9,757 sqft)
Owner	Individual Name on File
Tax Bill	$5,291 (2026)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8671-15`

Property Details

APN / Parcel Number

Primary APN	`8671-15`
Alternative APN	`CUMB M:058 B:0107 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,792 sqft Living Area
Gross Area	3,824 sqft
1st Floor Area	1,792 sqft
Basement Area	1,792 sqft
Unfinished Basement	1,792 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Duplex Single
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,757 sqft (0.224 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	8671-15
Street Address	46 MIDDLE ST
City	CUMBERLAND
State	RI
Zip	02864-4821
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	40
Legal Block	107
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2002
Census Tract	11301

Historic Designation

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.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	46 MIDDLE ST, CUMBERLAND, RI 02864-4821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	46 MIDDLE ST, CUMBERLAND, RI 02864-4821
Document Number	1746-307
Book / Page	001746 / 000307
Instrument Date	Jun 23, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 MIDDLE ST CUMBERLAND RI 028644821, CUMBERLAND, RI 02864-4821

Mortgage

Document Number	1746-307
Date	Jun 30, 2017
Book Page	001746/000307

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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	$5,291.00 (+21.44%)	$528,600 (+48.86%) Land $156,600 Building $372,000	$507,971
2025	$4,357.00 (+5.6%)	$355,100 (-) Land $114,300 Building $240,800
2023	$4,126.00 (+1.45%)	$355,100 (+30.89%) Land $114,300 Building $240,800
2022	$4,067.00	$271,300 Land $69,900 Building $201,400

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

Flood

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	Severe Storms And Flooding, Mar 2010 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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