Warwick City property record for 109 Kirby Ave, Warwick, RI 02889
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,560 sqft · built 2002 |
| Lot Size | 0.919 acres (40,052 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $830,000 (Dec 2025) |
| Tax Bill | $8,719 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Nov 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38203760000 |
| Primary APN | 38203760000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,560 sqft Living Area |
| Gross Area | 4,630 sqft |
| 1st Floor Area | 1,472 sqft |
| Basement Area | 1,472 sqft |
| Unfinished Basement | 1,472 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 40,052 sqft (0.919 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 21808 |
|---|---|
| Street Address | 109 KIRBY AVE |
| City | WARWICK |
| State | RI |
| Zip | 02889-6714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A40 |
| Legal Block | 376 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 21600 |
109 Kirby Ave is owned and occupied by two individuals who bought it in December 2025.
Source: Warwick City records, as of June 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 KIRBY AVE, WARWICK, RI 02889-6714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Dec 23, 2025 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Nov 19, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Oct 14, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2025 · Amount on File |
| Deed Sale | Dec 23, 2025 · Amount on File |
| Prior Sale | Jun 12, 2013 · Amount on File |
| Deed Document Number | 202514854 |
| Deed Book / Page | 10813 / 162 |
| Prior Transfer Date | Nov 14, 2025 |
| Prior Transfer Doc | 010792-329 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Dec 23, 2025 |
| Property Address | 109 KIRBY AVE, WARWICK, RI 02889-6714 |
| Document Number | 010813-162 |
| Book / Page | 10813 / 162 |
| Instrument Date | Dec 22, 2025 |
| Instrument | 14854 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2026 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 KIRBY AVE, WARWICK, RI 02889-6714 |
| Document Number | 0000014855 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 14855 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Nov 19, 2025 |
| Property Address | 109 KIRBY AVE, WARWICK, RI 02889-6714 |
| Document Number | 010792-329 |
| Book / Page | 10792 / 329 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 13373 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 BETSEY WILLIAMS DR, WARWICK, RI 02889-2918 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 109 KIRBY AVE, WARWICK, RI 02889-6714 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9635-159 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 9635/159 |
| Instrument | 15481 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2045 |
The 2025 property tax bill for 109 Kirby Ave was $8,719.
Source: Warwick City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Warwick City |
| Unified School District | Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,719.00 | $686,500 Land $165,000 Building $521,500 | |
| 2024 | $804,935 | ||
| 2023 | $9,363.00 (+3.29%) | $659,800 (+36.32%) Land $148,400 Building $511,400 | |
| 2022 | $9,065.00 | $484,000 Land $81,600 Building $402,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Kirby Ave in Zone X, an area of minimal flood risk, though there have been 12 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 17 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 12 (1978–2023) |
| Claims Outside the SFHA | 7 of 12 |
| Most Recent Claim | Dec 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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 109 Kirby Ave is low, with less than 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 97% of the US · lower than 91% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | WARWICK-CITY OF serves 73,289 people · EPA ID RI1615627 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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