Cumberland Town property record for 91 Bear Hill Rd, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,040 sqft · built 1970 |
| Lot Size | 0.288 acres (12,545 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Jan 2023) |
| Tax Bill | $4,304 (2026) |
| Deeds & Mortgages | Mar 2022 Refinance Feb 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-0013-45 |
| Primary APN | 3-0013-45 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Gross Area | 2,496 sqft |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,545 sqft (0.288 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3-0013-45 |
|---|---|
| Street Address | 91 BEAR HILL RD |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-6000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 498 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 11302 |
91 Bear Hill Rd is owned and occupied by an individual who bought it in January 2023.
Source: Cumberland Town records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 91 BEAR HILL RD, CUMBERLAND, RI 02864-6000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION |
| Feb 8, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 10, 2025 | Deed of Trust, Mortgage FREEDOM MORTGAGE CORP |
| Jan 31, 2023 | Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2023 · Amount on File |
| Deed Sale | Jan 31, 2023 · Amount on File |
| Prior Sale | Sep 19, 2016 · Amount on File |
| Deed Book / Page | 1949 / 703 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 91 BEAR HILL RD, CUMBERLAND, RI 02864-6000 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001925-97 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 1925/97 |
| Instrument | 131683 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 91 BEAR HILL RD, CUMBERLAND, RI 02864-6000 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 001972-214 |
|---|---|
| Date | Feb 8, 2024 |
| Book Page | 1972/214 |
| Instrument | 142634 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 91 BEAR HILL RD, CUMBERLAND, RI 02864-6000 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002017-915 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | 2017/915 |
| Instrument | 152595 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Amount | Amount on Record |
|---|---|
| Term | 337 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jan 31, 2023 |
| Property Address | 91 BEAR HILL RD, CUMBERLAND, RI 02864-6000 |
| Document Number | 001949-703 |
| Book / Page | 1949 / 703 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 137337 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2023 |
| 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 | 91 BEAR HILL RD, CUMBERLAND, RI 02864-6000 |
| Document Number | 0000137338 |
|---|---|
| Date | Jan 31, 2023 |
| Instrument | 137338 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 91 Bear Hill Rd was $4,304, up 4.5% 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 | $4,304.00 (+4.54%) | $430,000 (+28.17%) Land $223,300 Building $206,700 | $447,251 |
| 2025 | $4,117.00 | $335,500 Land $154,600 Building $180,900 | |
| 2023 | $3,899.00 (-1.22%) | $335,500 (+27.42%) Land $154,600 Building $180,900 | |
| 2022 | $3,947.00 | $263,300 Land $122,200 Building $141,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 91 Bear Hill Rd in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 91 Bear Hill Rd 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 | 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 288 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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