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12 Howard Rd, Cumberland, RI, 02864

5beds
4baths
2,969sqft
$995,000
$335price/sqft
$7,038/moest. monthly cost
$281,520/yrincome needed

About This Home

Welcome to 12 Howard Road — a twelve-acre bucolic retreat minutes from everything, yet feeling worlds away. Set along the serene shores of Howard Pond and the Abbott Run across four parcels sold together, this extraordinary Cumberland estate was lovingly cultivated by a Master Gardener of Rhode Island. Giant oaks and pines span the property on all sides, wild native plants emerge in glorious succession along the shoreline each spring and summer, and spectacular sunsets reflect across the water each evening. Magnificent blooming Dogwood trees, Japanese maples, and established gardens complete a setting of breathtaking, ever-changing beauty. The classic Colonial delivers five bedrooms and three-and-a-half baths with hardwood floors throughout, stone countertops throughout, and all bathrooms retiled within the last five years. A wood-paneled living room with exposed beams flows into an unexpectedly oversized eat-in kitchen, while a distinguished cherry office with built-in bookshelves and cherry floors adds a rare finishing touch. The fully self-contained in-law suite features a private entrance, full kitchen, bedroom, full bath, and a three-season porch with panoramic pond and backyard views. Outside, large bluestone patios, ample off-street parking across two driveways, and a four-car garage round out this truly rare Cumberland offering.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

10/10
Community SchoolGrades K-51.6 mi
9/10
9/10
Cumberland High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1968

Materials

  • Foundation: Mixed
  • Construction materials: Shingles,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Interior and Exterior,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Plumbing (Mixed)
  • Flooring: Ceramic Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,969

Heating & Cooling

  • Heating features: Oil,Zoned
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,969
  • Total interior livable area: 2,969 sqft

Property

Details

  • Parcel number: CUMBM023B0069L000

Lot

  • Lot size: 12.50 Acres

Parking

  • Total spaces: 24
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Tsunami

FEMA Declared Disasters Across Rhode Island Counties

Flood
Severe Storm
Tornado

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

MonthlyAnnual
Mortgage $5,031$60,372
Home Insurance *$381$4,572
Property Taxes $1,022$12,264
Electricity $604$7,255
Total$7,038$84,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$241,302/yr
40% on housing$211,140/yr
45% on housing$187,680/yr

Rhode Island FAIR Plan Programs

Rhode Island Joint Reinsurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 16,029Commercial: 109
Total Premiums$36.73M
Total Exposure$6.14B

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.

Insurance Growth Rate5-year average: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 6.7%
6.7%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$335This listing

vs Other Active Listings

Avg $/sqft

ZIP 02864$255
Providence County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 02864$269
Providence County$271

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

DateEventPrice
2026-07-24Listed for sale$995,000
2026-07-01Contingent$995,000
2026-06-08Listed for sale$995,000

For Sale by Agent

AgentSweeney Advisory Group
BrokerageMott & Chace Sotheby's Intl.

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