47 Cumerford St, Providence, RI 02909 Property Records

Providence City property record for 47 Cumerford St, Providence, RI 02909

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 3,156 sqft · built 1920
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Dec 2021)
Tax Bill	$4,159 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`PROV M:104 L:636`

Property Details

APN / Parcel Number

Primary APN	`PROV M:104 L:636`
Alternative APNs	`P:1040636 L:0000` `1745`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,156 sqft Living Area
Gross Area	4,232 sqft
1st Floor Area	1,052 sqft
Basement Area	1,052 sqft
Unfinished Basement	1,052 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1745
Street Address	47 CUMERFORD ST
City	PROVIDENCE
State	RI
Zip	02909-3009
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R-3
Legal Lot Number	636
Jurisdiction	PROVIDENCE RI
Township / Civil Division	PROVIDENCE
Census Block Group	1
Census Block	1005
Census Tract	1602

Owner

Source: Providence City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	47 CUMERFORD ST, PROVIDENCE, RI 02909-3009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Line of Credit DIRECT CU
Dec 27, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Oct 18, 2018	Executor's Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP
Oct 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage RHODE ISLAND HSNG & MTG FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2021 · Amount on Record
Deed Sale	Dec 27, 2021 · Amount on Record
Prior Sale	Oct 18, 2018 · Amount on Record
Deed Document Number	2021308692
Deed Book / Page	13415 / 150
Transfer Doc	11048-72
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROVIDENCE RI
Property Address	47 CUMERFORD ST, PROVIDENCE, RI 02909-3009
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014534-109
Date	Sep 26, 2025
Book Page	14534/109
Instrument	2025400709

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROVIDENCE RI
Recording Date	Dec 27, 2021
Property Address	47 CUMERFORD ST, PROVIDENCE, RI 02909-3009
Document Number	013415-150
Book / Page	13415 / 150
Instrument Date	Dec 23, 2021
Instrument	2021308692
Transaction Type	Transfer
Record Updated	Dec 21, 2023

Transaction

Amount	Amount Recorded
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	47 CUMERFORD ST, PROVIDENCE, RI 02909-3009

Mortgage

Document Number	2021308693
Date	Dec 27, 2021
Instrument	2021308693

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	PROVIDENCE RI
Recording Date	Oct 18, 2018
Property Address	47 CUMERFORD ST, PROVIDENCE, RI 02909-3009
Document Number	012187-108
Book / Page	12187 / 108
Instrument	212100
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47.49
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0121870110
Date	Oct 18, 2018
Instrument	12187/0110

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2048

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROVIDENCE RI
Property Address	47 CUMERFORD ST, PROVIDENCE, RI 02909-3009
Document Number	12187-124
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 CUMERFORD ST PROVIDENCE RI 029093009, PROVIDENCE, RI 02909-3009

Mortgage

Document Number	12187-124
Date	Oct 18, 2018
Book Page	012187/000124
Instrument	212102

Lender

Name	RHODE ISLAND HSNG & MTG FIN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Providence City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Providence City
Unified School District	Providence School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,159.00 (-36.98%)	$550,800 (+53.17%) Land $128,000 Building $422,800
2023	$6,599.00 (+3.09%)	$359,600 (-) Land $72,000 Building $287,600
2022	$6,401.00	$359,600 Land $72,000 Building $287,600

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

Flood

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

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	PROVIDENCE-CITY OF serves 333,142 people · EPA ID RI1592024
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2018
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 665 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: AT&T, T-Mobile.

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