7 Arnold Dr, Cumberland, RI 02864 Property Records

Cumberland Town property record for 7 Arnold Dr, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 1,943 sqft · built 1960
Lot Size	0.356 acres (15,507 sqft)
Owner	2 Individual Names on Record
Last Sale	$670,000 (Sep 2025)
Tax Bill	$6,768 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8728-44`

Property Details

APN / Parcel Number

Primary APN	`8728-44`
Alternative APN	`CUMB M:025 B:0193 L:000`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,943 sqft Living Area
Gross Area	4,618 sqft
1st Floor Area	1,110 sqft
Basement Area	1,110 sqft
Unfinished Basement	1,110 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,507 sqft (0.356 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8728-44
Street Address	7 ARNOLD DR
City	CUMBERLAND
State	RI
Zip	02864-3301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	193
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1004
Census Tract	11404

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Arnold Mills Historic District listed 1978 · 28 contributing resources · NRIS 78000070

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	7 ARNOLD DR, CUMBERLAND, RI 02864-3301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Warranty Deed, Transfer UNIBANK FOR SAVINGS
May 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Apr 29, 2005 · Amount on Record
Deed Document Number	2025151089
Deed Book / Page	2010 / 476
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Sep 16, 2025
Property Address	7 ARNOLD DR, CUMBERLAND, RI 02864-3301
Document Number	002010-476
Book / Page	2010 / 476
Instrument Date	Sep 16, 2025
Instrument	151089
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000151090
Date	Sep 16, 2025
Instrument	151090

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2032
Index	1-Year CMT

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	7 ARNOLD DR, CUMBERLAND, RI 02864-3301
Document Number	1838-483
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 ARNOLD DR CUMBERLAND RI 028643301, CUMBERLAND, RI 02864-3301

Mortgage

Document Number	1838-483
Date	May 12, 2020
Book Page	001838/000483
Instrument	113928

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$6,768.00 (+1.23%)	$676,100 (+24.08%) Land $268,000 Building $408,100	$654,244
2025	$6,686.00 (+5.59%)	$544,900 (-) Land $193,700 Building $351,200
2023	$6,332.00 (+2.68%)	$544,900 (+32.45%) Land $193,700 Building $351,200
2022	$6,167.00	$411,400 Land $139,600 Building $271,800

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

Flood

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	3 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2021 · 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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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