Cumberland Town property record for 78 Spring St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,680 sqft · built 2005 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (Jun 2005) |
| Tax Bill | $4,840 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8730-33 |
| Primary APN | 8730-33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 2,704 sqft |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 8730-33 |
|---|---|
| Street Address | 78 SPRING ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-1822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 269 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 11403 |
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 | 78 SPRING ST, CUMBERLAND, RI 02864-1822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · ARM PAWTUCKET CU |
| Mar 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2005 · Amount on Record |
| Deed Sale | Jun 16, 2005 · Amount on Record |
| Deed Book / Page | 1273 / 654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 78 SPRING ST, CUMBERLAND, RI 02864-1822 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1905-793 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 1905/793 |
| Instrument | 127566 |
| Name | PAWTUCKET CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.63% |
| Type Change Date | Oct 1, 2026 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 78 SPRING ST, CUMBERLAND, RI 02864-1822 |
| Document Number | 1796-698 |
| Instrument Date | Mar 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 78 SPRING ST CUMBERLAND RI 028641822, CUMBERLAND, RI 02864-1822 |
| Document Number | 1796-698 |
|---|---|
| Date | Mar 13, 2019 |
| Book Page | 001796/000698 |
| Name | PAWTUCKET CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 12, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
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 | $4,840.00 (+1.42%) | $483,500 (+24.33%) Land $189,900 Building $293,600 | $523,271 |
| 2025 | $4,772.00 (+5.6%) | $388,900 (-) Land $125,400 Building $263,500 | |
| 2023 | $4,519.00 (+4.7%) | $388,900 (+35.08%) Land $125,400 Building $263,500 | |
| 2022 | $4,316.00 | $287,900 Land $87,700 Building $200,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | None beyond ember reach |
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 273 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 |
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