Bristol Town property record for 12 Terrace Dr, Bristol, RI 02809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,176 sqft · built 1948 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | Individual Name on File |
| Last Sale | $565,000 (Sep 2025) |
| Tax Bill | $5,725 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance Apr 2024 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BRIS M:89 L:50 |
| Primary APN | BRIS M:89 L:50 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 3,435 sqft |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 950 sqft |
| Unfinished Basement | 950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,979 sqft (0.275 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 5205 |
|---|---|
| Street Address | 12 TERRACE DR |
| City | BRISTOL |
| State | RI |
| Zip | 02809-2806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Lot Number | 50 |
| Jurisdiction | BRISTOL RI |
| Township / Civil Division | BRISTOL |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 30902 |
12 Terrace Dr is owned and occupied by an individual who bought it in September 2025.
Source: Bristol Town records, as of September 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 TERRACE DR, BRISTOL, RI 02809-2806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Mar 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOAN ONE MORTGAGE CO INC |
| Apr 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Sep 4, 2025 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Jan 30, 2024 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2025 · Amount on File |
| Deed Sale | Sep 4, 2025 · Amount on File |
| Prior Sale | Sep 27, 2002 · Amount on File |
| Deed Book / Page | 2292 / 134 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 12 TERRACE DR, BRISTOL, RI 02809-2806 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002099-242 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 2099/242 |
| Instrument | 10165 |
| Name | LOAN ONE MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 12 TERRACE DR, BRISTOL, RI 02809-2806 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002241-242 |
|---|---|
| Date | Apr 16, 2024 |
| Book Page | 2241/242 |
| Instrument | 2024-757 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRISTOL RI |
| Recording Date | Sep 4, 2025 |
| Property Address | 12 TERRACE DR, BRISTOL, RI 02809-2806 |
| Document Number | 002292-134 |
| Book / Page | 2292 / 134 |
| Instrument Date | Sep 4, 2025 |
| Instrument | 2025-1932 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| 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 |
|---|---|
| Address | 12 TERRACE DR, BRISTOL, RI 02809-2806 |
| Investor | Possibly a Property Investor |
| Document Number | 0020251933 |
|---|---|
| Date | Sep 4, 2025 |
| Instrument | 2025-1933 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRISTOL RI |
| Recording Date | Jan 30, 2024 |
| Property Address | 12 TERRACE DR, BRISTOL, RI 02809-2806 |
| Document Number | 002234-322 |
| Book / Page | 2234 / 322 |
| Instrument Date | Dec 31, 2023 |
| Instrument | 2024-163 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 TERRACE DR, BRISTOL, RI 02809-2806 |
The 2026 property tax bill for 12 Terrace Dr was $5,725, up 28.4% from the year before.
Source: Bristol Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Bristol Town |
| Unified School District | Bristol-Warren Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $5,725.00 (+28.45%) | |
| 2025 | $4,457.00 | $464,300 Land $186,100 Building $278,200 |
| 2023 | $4,387.00 (+2.76%) | $328,400 (-) Land $155,100 Building $173,300 |
| 2022 | $4,269.00 | $328,400 Land $155,100 Building $173,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12 Terrace Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1982) |
| Most Recent Claim | Jul 1982 · rainfall accumulation |
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 12 Terrace Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 296 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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