109 Prospect St, Warwick, RI 02886 Property Records

Warwick City property record for 109 Prospect St, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,036 sqft · built 1941
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,833 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24501870000`

Property Details

APN / Parcel Number

Primary APN	`24501870000`
Alternative APNs	`WARW M:245 B:0187 L:0000` `103667560`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,036 sqft Living Area
Gross Area	2,186 sqft
1st Floor Area	1,036 sqft
Basement Area	980 sqft
Unfinished Basement	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	103667560
Street Address	109 PROSPECT ST
City	WARWICK
State	RI
Zip	02886-4603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O
Legal Block	187
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2024
Census Tract	22000

Owner

Source: Warwick City records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 PROSPECT ST, WARWICK, RI 02886-4603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit GREENWOOD CU
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit GREENWOOD CU
Sep 26, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	109 PROSPECT ST, WARWICK, RI 02886-4603
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010482-189
Date	Apr 26, 2024
Book Page	10482/189
Instrument	3860

Lender

Name	GREENWOOD CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

Interest

Rate Type	Adjustable Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	109 PROSPECT ST, WARWICK, RI 02886-4603
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010230-256
Date	Oct 24, 2022
Book Page	10230/256
Instrument	14883

Lender

Name	GREENWOOD CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2042

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	109 PROSPECT ST, WARWICK, RI 02886-4603
Document Number	8916-278
Book / Page	008916 / 000278
Instrument Date	Sep 26, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PROSPECT ST WARWICK RI 028864603, WARWICK, RI 02886-4603

Mortgage

Document Number	8916-278
Date	Oct 11, 2017
Book Page	008916/000278
Instrument	15028

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 10, 2042

Tax Assessment & Valuation

Source: Warwick City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Warwick City
Unified School District	Warwick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,833.00 (+12.11%)	$538,000 (+25.26%) Land $117,100 Building $420,900
2023	$6,095.00 (+3.11%)	$429,500 (+36.09%) Land $104,300 Building $325,200
2022	$5,911.00	$315,600 Land $76,300 Building $239,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 Record median of 41 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	12 (1978–2024)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENT COUNTY WATER AUTHORITY serves 94,107 people · EPA ID RI1559511
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures