Cumberland Town property record for 8 Harding St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,310 sqft · built 2005 |
| Lot Size | 0.214 acres (9,322 sqft) |
| Owner | Individual Name on File |
| Last Sale | $508,000 (Oct 2021) |
| Tax Bill | $6,166 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jun 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-0011-79 |
| Primary APN | 1-0011-79 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,310 sqft Living Area |
| Gross Area | 4,450 sqft |
| 1st Floor Area | 1,188 sqft |
| Basement Area | 1,188 sqft |
| Unfinished Basement | 1,188 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,322 sqft (0.214 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1-0011-79 |
|---|---|
| Street Address | 8 HARDING ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-2526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 148 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2059 |
| Census Tract | 11402 |
8 Harding St is owned and occupied by an individual who bought it in October 2021.
Source: Cumberland Town records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8 HARDING ST, CUMBERLAND, RI 02864-2526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Line of Credit BANKNEWPORT |
| Jun 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance OCEAN STATE CREDIT UNION |
| Oct 5, 2021 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2021 · Amount on File |
| Deed Sale | Oct 5, 2021 · Amount on File |
| Prior Sale | Dec 8, 2005 · Amount on File |
| Deed Document Number | 2021127971 |
| Deed Book / Page | 1907 / 725 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 8 HARDING ST, CUMBERLAND, RI 02864-2526 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002015-660 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 2015/660 |
| Instrument | 152132 |
| Name | BANKNEWPORT |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 8 HARDING ST, CUMBERLAND, RI 02864-2526 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | FIDELITY NATIONAL TITLE MA, FIDELITY NATIONAL TITLE (AKA |
| Name | Verified Name |
|---|
| Document Number | 001893-469 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 1893/469 |
| Instrument | 125050 |
| Name | OCEAN STATE CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Oct 5, 2021 |
| Property Address | 8 HARDING ST, CUMBERLAND, RI 02864-2526 |
| Document Number | 1907-725 |
| Book / Page | 1907 / 725 |
| Instrument Date | Oct 4, 2021 |
| Instrument | 127971 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 40 CROSSING DR, CUMBERLAND, RI 02864-4396 |
| Document Number | 127972 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 127972 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 8 Harding St was $6,166, down 1.8% from the year before.
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 | $6,166.00 (-1.77%) | $616,000 (+20.41%) Land $213,000 Building $403,000 | $677,498 |
| 2025 | $6,277.00 | $511,600 Land $147,500 Building $364,100 | |
| 2023 | $5,945.00 (-0.2%) | $511,600 (+28.74%) Land $147,500 Building $364,100 | |
| 2022 | $5,957.00 | $397,400 Land $116,500 Building $280,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8 Harding St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2018.
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 | 8 in force |
| Nearby Flood Claims | 3 (2018–2025) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 2025 · 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 risk around 8 Harding 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 | 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 305 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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