12 Railroad Row, Warwick, RI 02886 Property Records

Warwick City property record for 12 Railroad Row, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,085 sqft · built 2000
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on File
Last Sale	$512,500 (Apr 2026)
Tax Bill	$5,263 (2025)
Deeds & Mortgages	Mar 2021 Refinance Feb 2022 Refinance + 7 more
Flood Zone	Zone AE (high risk)
APN	`26301050000`

Property Details

APN / Parcel Number

Primary APN	`26301050000`
Alternative APNs	`WARW M:263 B:0105 L:0000` `100080263` `148804`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,085 sqft Living Area
Gross Area	2,474 sqft
1st Floor Area	1,085 sqft
Basement Area	1,050 sqft
Unfinished Basement	450 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	148804
Street Address	12 RAILROAD ROW
City	WARWICK
State	RI
Zip	02886-0768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	105
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2007
Census Tract	22300

Owner

12 Railroad Row is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Mar 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Feb 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jul 13, 2023	Deed of Trust, Mortgage · VA Mortgage TEXANA BANK NA
Apr 29, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RHODE ISLAND MORTGAGE FINANCIAL CORPORATION
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage RHODE ISLAND MORTGAGE FINANCIAL CORPORATION
Aug 28, 2024	Warranty Deed, Transfer · FHA Mortgage CMG HOME LOANS
Dec 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Aug 23, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on File
Deed Sale	Apr 29, 2026 · Amount on File
Prior Sale	Aug 28, 2024 · Amount on File
Deed Book / Page	10882 / 222
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009770-240
Date	Mar 8, 2021
Book Page	9770/240
Instrument	4426

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010070-255
Date	Feb 3, 2022
Book Page	10070/255
Instrument	1784

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010352-112
Date	Jul 13, 2023
Book Page	10352/112
Instrument	7174

Lender

Name	TEXANA BANK NA

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Recording Date	Apr 29, 2026
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Document Number	0000004681
Book / Page	10882 / 236
Instrument Date	Apr 29, 2026
Instrument	20264681
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RAILROAD ROW, WARWICK, RI 02886-0768

Mortgage

Document Number	010882-236,
Date	Apr 29, 2026
Book Page	10882/236
Instrument	20264681

Lender

Name	RHODE ISLAND MORTGAGE FINANCIAL CORPORATION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.46%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Apr 29, 2026
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Document Number	0000004679
Book / Page	10882 / 222
Instrument Date	Apr 29, 2026
Instrument	2026.4679
Transaction Type	Transfer
Record Updated	May 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RAILROAD ROW, WARWICK, RI 02886-0768

Mortgage

Date	Apr 29, 2026

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Apr 29, 2026
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Document Number	010882-222
Book / Page	10882 / 222
Instrument Date	Apr 29, 2026
Instrument	20264679
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RAILROAD ROW, WARWICK, RI 02886-0768

Mortgage

Date	Apr 29, 2026

Lender

Name	RHODE ISLAND MORTGAGE FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Aug 28, 2024
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Document Number	0010547-57
Book / Page	10547 / 57
Instrument Date	Aug 27, 2024
Instrument	8848
Transaction Type	Transfer
Record Updated	Apr 27, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008849
Date	Aug 28, 2024
Instrument	8849

Lender

Name	CMG HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	0010547-74
Date	Aug 28, 2024
Book Page	10547/74
Instrument	8850

Lender

Name	RHODE ISLAND HOUSING & MTG FIN CORP

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2039

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9419-203
Date	Dec 17, 2019
Book Page	9419/203
Instrument	17854

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	12 RAILROAD ROW, WARWICK, RI 02886-0768
Document Number	8895-81
Book / Page	008895 / 000081
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RAILROAD ROW WARWICK RI 028860768, WARWICK, RI 02886-0768

Mortgage

Document Number	8895-81
Date	Sep 7, 2017
Book Page	008895/000081
Instrument	13211

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12 Railroad Row was $5,263.

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	Assessed Market Value
2025	$5,263.00	$414,400 Land $107,600 Building $306,800
2024			$434,055
2023	$4,502.00 (+6.25%)	$317,300 (+40.27%) Land $90,600 Building $226,700
2022	$4,237.00	$226,200 Land $54,700 Building $171,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12 Railroad Row in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	14 (1978–2024)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storm And Flooding, Dec 2023 · 3 claims Severe Storms And Flooding, Mar 2010 · 4 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 12 Railroad Row 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 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 88 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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