48 Windsong Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 48 Windsong Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,890 sqft · built 1994
Lot Size	0.668 acres (29,098 sqft)
Owner	2 Individual Names on File
Last Sale	$745,000 (Nov 2023)
Tax Bill	$7,430 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-0549-20`

Property Details

APN / Parcel Number

Primary APN	`20-0549-20`
Alternative APNs	`CUMB M:037 B:1005 L:000` `3-0017-63`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,890 sqft Living Area
Gross Area	6,610 sqft
1st Floor Area	1,668 sqft
Attic	Attic
Attic Area	720 sqft
Basement Area	1,654 sqft
Unfinished Basement	1,654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,098 sqft (0.668 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3-0017-63
Street Address	48 WINDSONG RD
City	CUMBERLAND
State	RI
Zip	02864-2727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	1005
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2054
Census Tract	11402

Owner

48 Windsong Rd is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 WINDSONG RD, CUMBERLAND, RI 02864-2727
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2023 · Amount on File
Deed Sale	Nov 16, 2023 · Amount on File
Prior Sale	May 23, 1997 · Amount on File
Deed Document Number	2023141492
Deed Book / Page	1967 / 737
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Nov 16, 2023
Property Address	48 WINDSONG RD, CUMBERLAND, RI 02864-2727
Document Number	001967-737
Book / Page	1967 / 737
Instrument Date	Nov 16, 2023
Instrument	141492
Transaction Type	Transfer
Record Updated	Dec 7, 2023

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
Relationship	Tenants by the Entirety
Address	48 WINDSONG RD, CUMBERLAND, RI 02864-2727

Mortgage

Document Number	0000141493
Date	Nov 16, 2023
Instrument	141493

Lender

Name	CENTREVILLE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Dec 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 48 Windsong Rd was $7,430, down 3.1% 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	$7,430.00 (-3.1%)	$742,300 (+18.79%) Land $250,000 Building $492,300	$817,528
2025	$7,668.00	$624,900 Land $184,900 Building $440,000
2023	$7,261.00 (+3.11%)	$624,900 (+33.01%) Land $184,900 Building $440,000
2022	$7,042.00	$469,800 Land $141,200 Building $328,600

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

Flood

FEMA maps place 48 Windsong Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2018–2025)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2025 · rainfall accumulation

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

Wildfire risk around 48 Windsong Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20