45 Pine Swamp Rd, Cumberland, RI, 02864
About This Home
Experience perfect blend of timeless farmhouse charm & modern comfort in this exceptional custom-built home nestled on nearly two private acres in desirable North Cumberland. Enjoy peaceful surroundings from the welcoming wraparound farmer's porch, two spacious decks, sunroom, beautiful in-ground pool—perfect for entertaining. Inside, the thoughtfully designed floor plan features a spacious eat-in kitchen with a walk-in pantry, peninsula, breakfast area, and an open layout overlooking the cozy family den with one of three gas fireplaces. The main level also offers a formal dining room, living room with French doors ideal for a home office, full bath, laundry room, mudroom Upstairs, the cathedral-ceiling primary suite boasts a private balcony, gas fireplace, oversized walk-in closet, and luxurious spa-inspired bath. Additional bedrooms, full bath with double vanity and impressive 27' x 24' vaulted great room designed for entertaining complete the second floor. The finished walkout lower level offers even more living space with a fireplaced family room, wet bar/kitchenette, full bath, and flexible bonus rooms perfect for a home office, guest suite, gym, or hobby space, all with direct access to the sunroom and pool area. A detached two-story barn provides endless possibilities for a workshop or studio. Bonus -solar panels help offset electricity costs, providing increased energy efficiency and long-term savings while reducing monthly utility expenses. Must see to appreciate!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2005
Materials
- Foundation: Concrete Perimeter
- Construction materials: Clapboard,Shingles,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Full,Interior and Exterior,Finished,Bath/Stubbed,Family Room,Office,Storage Space,Utility
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Features
- Plumbing (Mixed),Insulation (Ceiling),Insulation (Walls)
- Door features: Storm Door(s)
- Flooring: Ceramic Tile,Hardwood
- Number of fireplaces: 3
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 1,047
- Finished area above ground: 3,714
Heating & Cooling
- Heating features: Oil,Hydro-Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,714
- Total interior livable area: 4,761 sqft
Property
Details
- Parcel number: CUMBM050B0211L000
Features
- Pool features: In Ground
- Patio & porch: Deck,Patio,Porch,Screened
- Exterior features: Balcony
- Fencing: Fenced
Lot
- Lot size: 1.84 Acres
- Features: Sprinklers,Wooded
Parking
- Total spaces: 10
- Parking features: Attached,Garage Door Opener,Driveway
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Heat Wave
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Rhode Island Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $6,371 | $76,452 |
| Home Insurance * | $483 | $5,796 |
| Property Taxes | $1,295 | $15,540 |
| Electricity | $969 | $11,635 |
| Total | $9,118 | $109,416 |
Income You'd Need if You Spent...
Rhode Island FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-25 | Listed for sale | $1,260,000 |
| 2024-05-30 | Sold | $975,000 |
| 2024-04-03 | Pending sale | $995,000 |
| 2024-03-20 | Listed for sale | $995,000 |
View on Zillow