86 Fairhaven Rd, Cumberland, RI 02864 Property Records

Cumberland Town property record for 86 Fairhaven Rd, Cumberland, RI 02864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,416 sqft · built 1994
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Trust Names on File
Last Sale	$250,000 (Apr 1998)
Tax Bill	$7,593 (2026)
Deeds & Mortgages	Mar 2026 Sale Feb 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`164-12`

Property Details

APN / Parcel Number

Primary APN	`164-12`
Alternative APN	`CUMB M:024 B:0407 L:000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,416 sqft Living Area
Gross Area	4,776 sqft
1st Floor Area	1,352 sqft
Basement Area	1,352 sqft
Unfinished Basement	1,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,522 sqft (0.54 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	164-12
Street Address	86 FAIRHAVEN RD
City	CUMBERLAND
State	RI
Zip	02864-4709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	100
Legal Block	407
Jurisdiction	CUMBERLAND RI
Township / Civil Division	CUMBERLAND
Census Block Group	2
Census Block	2036
Census Tract	11404

Owner

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	2 Trust Names on File
Mailing Address	86 FAIRHAVEN RD, CUMBERLAND, RI 02864-4709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Warranty Deed, Transfer
Feb 10, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PAWTUCKET CU
Aug 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 1998 · Amount on File
Deed Sale	Apr 1, 1998 · Amount on File
Deed Book / Page	741 / 36
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND RI
Recording Date	Mar 31, 2026
Property Address	86 FAIRHAVEN RD, CUMBERLAND, RI 02864-4709
Document Number	002026-824
Book / Page	2026 / 824
Instrument Date	Mar 20, 2026
Instrument	154326
Transaction Type	Transfer
Record Updated	Apr 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	86 FAIRHAVEN RD, CUMBERLAND, RI 02864-4709

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	86 FAIRHAVEN RD, CUMBERLAND, RI 02864-4709
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023-370
Date	Feb 10, 2026
Book Page	2023/370
Instrument	153605

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	86 FAIRHAVEN RD, CUMBERLAND, RI 02864-4709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1858-309
Date	Oct 8, 2020
Book Page	1858/309
Instrument	117922

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND RI
Property Address	86 FAIRHAVEN RD, CUMBERLAND, RI 02864-4709
Document Number	1810-263
Instrument Date	Aug 2, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 FAIRHAVEN RD CUMBERLAND RI 028644709, CUMBERLAND, RI 02864-4709

Mortgage

Document Number	1810-263
Date	Aug 14, 2019
Book Page	001810/000263

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 13, 2044

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	$7,593.00 (-0.72%)	$758,500 (+21.69%) Land $279,100 Building $479,400	$797,592
2025	$7,648.00 (+5.59%)	$623,300 (-) Land $201,700 Building $421,600
2023	$7,243.00 (+4.77%)	$623,300 (+35.15%) Land $201,700 Building $421,600
2022	$6,913.00	$461,200 Land $145,400 Building $315,800

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	2 in force

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	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.

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 161 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

May also be available: AT&T.

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