7 Franklin St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 7 Franklin St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,162 sqft · built 2018
Lot Size	0.116 acres (5,036 sqft)
Owner	Individual Name on Record
Last Sale	$329,000 (Jan 2020)
Tax Bill	$4,737 (2026)
Deeds & Mortgages	Jul 2021 Refinance Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9987-55`

Property Details

APN / Parcel Number

Primary APN	`9987-55`
Alternative APN	`CUMB M:013 B:0120 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,162 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	1,162 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,036 sqft (0.116 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9987-55
Street Address	7 FRANKLIN ST
City	CUMBERLAND
State	RI
Zip	02864-6203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	120
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2049
Census Tract	11301

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	Individual Name on Record
Mailing Address	7 FRANKLIN ST, CUMBERLAND, RI 02864-6203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Jan 28, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2020 · Amount on Record
Deed Sale	Jan 28, 2020 · Amount on Record
Deed Book / Page	1828 / 272
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	7 FRANKLIN ST, CUMBERLAND, RI 02864-6203
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001897-361
Date	Jul 19, 2021
Book Page	1897/361
Instrument	125868

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	289 Months
Due	Aug 1, 2045

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	7 FRANKLIN ST, CUMBERLAND, RI 02864-6203
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1906-345
Date	Sep 22, 2021
Book Page	1906/345
Instrument	127668

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jan 28, 2020
Property Address	7 FRANKLIN ST, CUMBERLAND, RI 02864-6203
Document Number	1828-272
Book / Page	1828 / 272
Instrument Date	Jan 27, 2020
Transaction Type	Transfer
Record Updated	Jun 4, 2021

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

Mortgage

Document Number	1828275
Date	Jan 28, 2020
Instrument	1828/275

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First 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	$4,737.00 (+4.87%)	$473,200 (+28.55%) Land $172,800 Building $300,400	$505,112
2025	$4,517.00 (+5.61%)	$368,100 (-) Land $87,800 Building $280,300
2023	$4,277.00 (+0.49%)	$368,100 (+29.66%) Land $87,800 Building $280,300
2022	$4,256.00	$283,900 Land $64,400 Building $219,500

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	10 (1979–2023)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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 98% of the US · lower than 94% of Rhode Island
Wildfire Likelihood	Under 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	PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 124 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.

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