112 Narrows Rd, Bristol, RI 02809 Property Records

Bristol Town property record for 112 Narrows Rd, Bristol, RI 02809

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,260 sqft · built 2012
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,500 (May 2018)
Tax Bill	$5,219 (2026)
Deeds & Mortgages	Aug 2021 Refinance Nov 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`50-0044-50`

Property Details

APN / Parcel Number

Primary APN	`50-0044-50`
Alternative APNs	`BRIS M:148 L:70` `7497`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,364 sqft
Basement Area	801 sqft
Unfinished Basement	801 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	50-0044-50
Street Address	112 NARROWS RD
City	BRISTOL
State	RI
Zip	02809-4410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Lot Number	70
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	2
Census Block	2011
Census Tract	30901

Owner

Source: Bristol Town records, as of September 9, 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	112 NARROWS RD, BRISTOL, RI 02809-4410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Nov 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
May 29, 2018	Warranty Deed, Transfer · Conventional with PMI LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2018 · Amount on Record
Deed Sale	May 29, 2018 · Amount on Record
Prior Sale	Sep 3, 2013 · Amount on Record
Deed Book / Page	1941 / 53
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	112 NARROWS RD, BRISTOL, RI 02809-4410
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2126-250
Date	Aug 4, 2021
Book Page	2126/250
Instrument	12176

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	112 NARROWS RD, BRISTOL, RI 02809-4410
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2005-242
Date	Nov 4, 2019
Book Page	2005/242
Instrument	3099

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRISTOL RI
Recording Date	May 29, 2018
Property Address	112 NARROWS RD, BRISTOL, RI 02809-4410
Document Number	1941-53
Book / Page	001941 / 000053
Instrument Date	May 29, 2018
Transaction Type	Transfer
Record Updated	Aug 14, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1941-37
Date	May 29, 2018
Book Page	001941/000037

Lender

Name	LNDG

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$5,219.00 (+14.5%)
2025	$4,558.00 (+3.45%)	$329,800 (-) Land $103,900 Building $225,900
2023	$4,406.00 (+2.78%)	$329,800 (-) Land $103,900 Building $225,900
2022	$4,287.00	$329,800 Land $103,900 Building $225,900

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 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	18 (1978–2022)
Claims Outside the SFHA	7 of 18
Most Recent Claim	Feb 2022 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Bob, Aug 1991 · 7 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 98% of the US · lower than 94% 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	BRISTOL COUNTY WATER AUTHORITY serves 49,000 people · EPA ID RI1647515
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
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	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
i3 Broadband Cable	2,000 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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