




12 Howard Rd, Cumberland, RI, 02864
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
Schools
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
- Inland Flooding
- 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 | $5,031 | $60,372 |
| Home Insurance * | $381 | $4,572 |
| Property Taxes | $1,022 | $12,264 |
| Electricity | $604 | $7,255 |
| Total | $7,038 | $84,456 |
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 |
|---|---|---|
| 2026-07-24 | Listed for sale | $995,000 |
| 2026-07-01 | Contingent | $995,000 |
| 2026-06-08 | Listed for sale | $995,000 |
