83 Prospect St, Cumberland, RI 02864 Property Records

Cumberland Town property record for 83 Prospect St, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,560 sqft · built 1870
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Tax Bill	$4,270 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-2770-00`

Property Details

APN / Parcel Number

Primary APN	`2-2770-00`
Alternative APN	`CUMB M:001 B:0003 L:000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Gross Area	2,786 sqft
1st Floor Area	991 sqft
Basement Area	759 sqft
Unfinished Basement	759 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2-2770-00
Street Address	83 PROSPECT ST
City	CUMBERLAND
State	RI
Zip	02864-8407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110
Legal Block	3
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2030
Census Tract	11200

Owner

83 Prospect St is owned by an individual who acquired it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	597 ARMISTICE BLVD, 2, PAWTUCKET, RI 02861-2660
Owner Type	Individual
Vesting	Individual(s)

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
May 11, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Jul 8, 2022	Quit Claim Deed, Transfer Quitclaim
May 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 23, 2022
Transfer Doc	001935-362
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Recording Date	May 11, 2026
Property Address	83 PROSPECT ST, CUMBERLAND, RI 02864-8407
Document Number	0000154861
Book / Page	2029 / 479
Instrument Date	Apr 24, 2026
Instrument	2026154861
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 PROSPECT ST, CUMBERLAND, RI 02864-8407

Mortgage

Document Number	02029-0479,
Date	May 11, 2026
Book Page	2029/479
Instrument	2026154861

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Max Rate	-1%

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Jul 8, 2022
Property Address	83 PROSPECT ST, CUMBERLAND, RI 02864-8407
Document Number	001935-362
Book / Page	1935 / 362
Instrument Date	Jun 23, 2022
Instrument	133979
Transaction Type	Transfer
Record Updated	Jul 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	83 PROSPECT ST, CUMBERLAND, RI 02864-8407

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	83 PROSPECT ST, CUMBERLAND, RI 02864-8407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1839-342
Date	May 19, 2020
Book Page	1839/342
Instrument	114083

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 83 Prospect St was $4,270, up 18.4% 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	$4,270.00 (+18.45%)	$426,600 (+45.2%) Land $203,100 Building $223,500	$383,975
2025	$3,605.00	$293,800 Land $103,100 Building $190,700
2023	$3,414.00 (+5.63%)	$293,800 (+36.27%) Land $103,100 Building $190,700
2022	$3,232.00	$215,600 Land $75,600 Building $140,000

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

Flood

FEMA maps place 83 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1979–1987)
Most Recent Claim	Apr 1987 · river or lake flooding

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 83 Prospect St is low, with less than 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 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	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 367 locations within half a mile, as of December 31, 2025

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

May also be available: Cox Communications.

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