464 High St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 464 High St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,125 sqft · built 1972
Lot Size	0.046 acres (2,004 sqft)
Owner	2 Individual Names on File
Last Sale	$399,900 (Dec 2024)
Tax Bill	$3,431 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Dec 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-0027-69`

Property Details

APN / Parcel Number

Primary APN	`1-0027-69`
Alternative APNs	`CUMB M:007 B:0387 L:000` `8917-78`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,125 sqft Living Area
Gross Area	2,550 sqft
1st Floor Area	750 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,004 sqft (0.046 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1-0027-69
Street Address	464 HIGH ST
City	CUMBERLAND
State	RI
Zip	02864-7632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	387
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	5
Census Block	5007
Census Tract	11200

Owner

464 High St is owned by two individuals who bought it in December 2024.

Source: Cumberland Town records, as of June 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6 TERRACE ST, NASHUA, NH 03064-2720
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 9, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage BAYCOAST MORTGAGE COMPANY
Dec 9, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage BAYCOAST MORTGAGE COMPANY
Jun 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2024 · Amount on File
Deed Sale	Dec 9, 2024 · Amount on File
Prior Sale	Aug 31, 2009 · Amount on File
Deed Document Number	2024147054
Deed Book / Page	1992 / 660
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Dec 9, 2024
Property Address	464 HIGH ST, CUMBERLAND, RI 02864-7632
Document Number	001992-660
Book / Page	1992 / 660
Instrument Date	Dec 9, 2024
Instrument	147054
Transaction Type	Transfer
Record Updated	Feb 5, 2026

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6 TERRACE ST, NASHUA, NH 03064-2720

Mortgage

Document Number	0000147055
Date	Dec 9, 2024
Instrument	147055

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Dec 9, 2024
Property Address	464 HIGH ST, CUMBERLAND, RI 02864-7632
Document Number	001992-660
Book / Page	1992 / 660
Instrument Date	Nov 4, 2024
Instrument	2024147054
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6 TERRACE ST, NASHUA, NH 03064-2720

Mortgage

Document Number	2024147055
Date	Dec 9, 2024
Instrument	2024147055

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2056

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	464 HIGH ST, CUMBERLAND, RI 02864-7632
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1842-328
Date	Jun 16, 2020
Book Page	1842/328
Instrument	114736

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 464 High St was $3,431.

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
2025	$3,431.00	$279,600 Land $86,100 Building $193,500
2023	$3,249.00 (+4.27%)	$279,600 (+34.49%) Land $86,100 Building $193,500
2022	$3,116.00	$207,900 Land $63,200 Building $144,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 464 High 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 464 High 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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