Cumberland Town property record for 5 Royal Ct, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,666 sqft · built 1989 |
| Lot Size | 0.349 acres (15,202 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $676,000 (Sep 2025) |
| Tax Bill | $5,770 (2026) |
| Deeds & Mortgages | Aug 2025 Line of Credit Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-0728-50 |
| Primary APN | 18-0728-50 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,666 sqft Living Area |
| Gross Area | 3,524 sqft |
| 1st Floor Area | 952 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,202 sqft (0.349 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 18-0728-50 |
|---|---|
| Street Address | 5 ROYAL CT |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-2713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 34 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 11405 |
Source: Cumberland Town records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5 ROYAL CT, CUMBERLAND, RI 02864-2713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 12, 2025 | Deed of Trust, Mortgage · Line of Credit COASTAL ONE CREDIT UNION |
| Sep 25, 2025 | Warranty Deed, Transfer HARBORONE MORTGAGE |
| Dec 22, 2016 | Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on Record |
| Deed Sale | Sep 25, 2025 · Amount on Record |
| Deed Book / Page | 2011 / 363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 5 ROYAL CT, CUMBERLAND, RI 02864-2713 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002008-292 |
|---|---|
| Date | Aug 12, 2025 |
| Book Page | 2008/292 |
| Instrument | 150586 |
| Name | COASTAL ONE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Sep 25, 2025 |
| Property Address | 5 ROYAL CT, CUMBERLAND, RI 02864-2713 |
| Document Number | 002011-363 |
| Book / Page | 2011 / 363 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 151242 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5 ROYAL CT, CUMBERLAND, RI 02864-2713 |
| Document Number | 0000151243 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 151243 |
| Name | HARBORONE MORTGAGE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 5 ROYAL CT, CUMBERLAND, RI 02864-2713 |
| Document Number | 1732-276 |
| Instrument Date | Dec 22, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 1732-276 |
|---|---|
| Date | Jan 3, 2017 |
| Book Page | 001732/000276 |
| Name | PAWTUCKET CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 2, 2042 |
Source: Cumberland Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,770.00 (+11.11%) | $576,400 (+36.2%) Land $281,300 Building $295,100 | $615,670 |
| 2025 | $5,193.00 (+5.59%) | $423,200 (-) Land $167,300 Building $255,900 | |
| 2023 | $4,918.00 (+8.04%) | $423,200 (+39.35%) Land $167,300 Building $255,900 | |
| 2022 | $4,552.00 | $303,700 Land $116,100 Building $187,600 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 181 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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