10 Howard Dr, Charlestown, RI 02813 Property Records

Charlestown Town property record for 10 Howard Dr, Charlestown, RI 02813

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,812 sqft · built 1994
Lot Size	0.93 acres (40,511 sqft)
Owner	Trust Name on File
Last Sale	$419,900 (May 2017)
Tax Bill	$4,500 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-0719-22`

Property Details

APN / Parcel Number

Primary APN	`12-0719-22`
Alternative APNs	`CHAR M:13 L:98 S:2` `M:013 B:098 L:002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,812 sqft Living Area
Gross Area	4,308 sqft
1st Floor Area	1,472 sqft
Basement Area	1,388 sqft
Unfinished Basement	1,388 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	12-0719-22
Street Address	10 HOWARD DR
City	CHARLESTOWN
State	RI
Zip	02813-4124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Lot Number	98
Jurisdiction	CHARLESTOWN RI
Township / Civil Division	CHARLESTOWN
Census Block Group	2
Census Block	2010
Census Tract	51102

Owner

10 Howard Dr is owner-occupied and held in a trust since July 2022.

Source: Charlestown Town records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	10 HOWARD DR, CHARLESTOWN, RI 02813-4124
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit NAVIGANT CREDIT UNION
Jul 11, 2022	Warranty Deed, Transfer
Jun 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Jul 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
May 26, 2017	Warranty Deed, Transfer · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2017 · Amount on File
Deed Sale	May 26, 2017 · Amount on File
Prior Sale	Mar 31, 2008 · Amount on File
Deed Document Number	2017903
Deed Book / Page	426 / 748
Last Transfer Date	Jul 6, 2022
Transfer Doc	000488-797
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTOWN RI
Recording Date	Jul 23, 2026
Property Address	10 HOWARD DR, CHARLESTOWN, RI 02813-4124
Document Number	0000001076
Book / Page	522 / 131
Instrument Date	Jul 9, 2026
Instrument	20261076
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001076,
Date	Jul 23, 2026
Book Page	522/131
Instrument	20261076

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	6.52%
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLESTOWN RI
Recording Date	Jul 11, 2022
Property Address	10 HOWARD DR, CHARLESTOWN, RI 02813-4124
Document Number	000488-797
Book / Page	488 / 797
Instrument Date	Jul 6, 2022
Instrument	1478
Transaction Type	Transfer
Record Updated	Aug 4, 2022

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
Address	10 HOWARD DR, CHARLESTOWN, RI 02813-4124

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTOWN RI
Property Address	10 HOWARD DR, CHARLESTOWN, RI 02813-4124
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000476-656
Date	Jun 28, 2021
Book Page	476/656
Instrument	1800

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTOWN RI
Property Address	10 HOWARD DR, CHARLESTOWN, RI 02813-4124
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	460-852
Date	Jul 8, 2020
Book Page	460/852
Instrument	1525

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLESTOWN RI
Recording Date	May 26, 2017
Property Address	10 HOWARD DR, CHARLESTOWN, RI 02813-4124
Document Number	426-748
Book / Page	000426 / 000748
Instrument Date	May 26, 2017
Instrument	903
Transaction Type	Transfer
Record Updated	Jun 20, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$419.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	365 WEST RD HARRISVILLE RI 028301019, HARRISVILLE, RI 02830-1019

Mortgage

Document Number	426-751
Date	May 26, 2017
Book Page	000426/000751
Instrument	904

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10 Howard Dr was $4,500.

Source: Charlestown Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Charlestown Town
Unified School District	Chariho Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,500.00	$758,800 Land $359,900 Building $398,900	$888,570
2023	$4,326.00	$753,700 Land $359,900 Building $393,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Howard Dr in Zone X, an area of minimal flood risk, though there have been 84 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · 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
Flood Insurance Cost	Premium on File median of 207 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	207 in force
Nearby Flood Claims	84 (1978–2024)
Claims Outside the SFHA	13 of 84
Most Recent Claim	Apr 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 27 claims Severe Storms And Flooding, Apr 2010 · 15 claims Hurricane Bob, Aug 1991 · 12 claims

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

Wildfire risk around 10 Howard Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 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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