5 Vale St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 5 Vale St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,028 sqft · built 2001
Lot Size	0.184 acres (8,015 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Jul 2023)
Tax Bill	$4,470 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-0015-83`

Property Details

APN / Parcel Number

Primary APN	`3-0015-83`
Alternative APNs	`CUMB M:053 B:1320 L:000` `232-25`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,028 sqft Living Area
Gross Area	2,132 sqft
1st Floor Area	1,028 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,015 sqft (0.184 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	3-0015-83
Street Address	5 VALE ST
City	CUMBERLAND
State	RI
Zip	02864-1729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	1320
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1004
Census Tract	11403

Owner

5 Vale St is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 VALE ST, CUMBERLAND, RI 02864-1729
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

Date	Document
Jul 17, 2023	Warranty Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE INC
Oct 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PAWTUCKET CU
Jan 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on File
Deed Sale	Jul 17, 2023 · Amount on File
Prior Sale	Oct 2, 2001 · Amount on File
Deed Document Number	2023139677
Deed Book / Page	1960 / 71
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jul 17, 2023
Property Address	5 VALE ST, CUMBERLAND, RI 02864-1729
Document Number	0001960-71
Book / Page	1960 / 71
Instrument Date	Jul 17, 2023
Instrument	139677
Transaction Type	Transfer
Record Updated	Aug 3, 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	5 VALE ST, CUMBERLAND, RI 02864-1729

Mortgage

Document Number	0000139678
Date	Jul 17, 2023
Instrument	139678

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	5 VALE ST, CUMBERLAND, RI 02864-1729
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1907-846
Date	Oct 6, 2021
Book Page	1907/846
Instrument	127992

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	5 VALE ST, CUMBERLAND, RI 02864-1729
Document Number	1764-158
Book / Page	001764 / 000158
Instrument Date	Jan 10, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 VALE ST CUMBERLAND RI 028641729, CUMBERLAND, RI 02864-1729

Mortgage

Document Number	1764-158
Date	Jan 23, 2018
Book Page	001764/000158

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 5 Vale St was $4,470, up 4.2% 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	$4,470.00 (+4.24%)	$446,600 (+27.78%) Land $206,000 Building $240,600	$483,388
2025	$4,288.00	$349,500 Land $136,000 Building $213,500
2023	$4,061.00 (+2.01%)	$349,500 (+31.59%) Land $136,000 Building $213,500
2022	$3,981.00	$265,600 Land $95,100 Building $170,500

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

Flood

FEMA maps place 5 Vale St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Dec 2011 · 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 5 Vale St 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	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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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