1278 Warwick Neck Ave, Warwick, RI 02889 Property Records

Warwick City property record for 1278 Warwick Neck Ave, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,287 sqft · built 1960
Lot Size	0.994 acres (43,311 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jun 1998)
Tax Bill	$9,364 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`38500920000`

Property Details

APN / Parcel Number

Primary APN	`38500920000`
Alternative APNs	`WARW M:385 B:0092 L:0000` `113611925`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,287 sqft Living Area
Gross Area	4,253 sqft
1st Floor Area	1,342 sqft
Basement Area	1,342 sqft
Unfinished Basement	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,311 sqft (0.994 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	113611925
Street Address	1278 WARWICK NECK AVE
City	WARWICK
State	RI
Zip	02889-6826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A40
Legal Block	92
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2020
Census Tract	21600

Owner

1278 Warwick Neck Ave is owned and occupied by two individuals who bought it in June 1998.

Source: Warwick City records, as of October 1, 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	2 Individual Names on File
Mailing Address	1278 WARWICK NECK AVE, WARWICK, RI 02889-6826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Sep 27, 2023	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
May 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SERAFINO CAZZANI
Apr 21, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SERAFINO CAZZANI
Oct 23, 2017	Deed of Trust, Mortgage · FHA Mortgage SEACOAST MORTGAGE CO
Sep 22, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 1998 · Amount on File
Deed Sale	Jun 26, 1998 · Amount on File
Deed Book / Page	2930 / 45
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	1278 WARWICK NECK AVE, WARWICK, RI 02889-6826
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010851-206
Date	Mar 12, 2026
Book Page	10851/206
Instrument	2543

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	1278 WARWICK NECK AVE, WARWICK, RI 02889-6826
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010389-67
Date	Sep 27, 2023
Book Page	10389/67
Instrument	10150

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	1278 WARWICK NECK AVE, WARWICK, RI 02889-6826
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010323-246
Date	May 17, 2023
Book Page	10323/246
Instrument	4810

Lender

Name	SERAFINO CAZZANI

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	1278 WARWICK NECK AVE, WARWICK, RI 02889-6826
Transaction Type	Mortgage
Record Updated	May 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010311-10
Date	Apr 21, 2023
Book Page	10311/10
Instrument	3781

Lender

Name	SERAFINO CAZZANI

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	13 Months
Due	May 1, 2024

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	1278 WARWICK NECK AVE, WARWICK, RI 02889-6826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8925-252
Date	Oct 23, 2017
Book Page	8925/252
Instrument	15684

Lender

Name	SEACOAST MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	1278 WARWICK NECK AVE, WARWICK, RI 02889-6826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9616-252
Date	Sep 22, 2020
Book Page	9616/252
Instrument	14072

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1278 Warwick Neck Ave was $9,364.

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	$9,364.00	$737,300 Land $278,700 Building $458,600
2024			$1,391,655
2023	$9,706.00 (+9.17%)	$684,000 (+44.09%) Land $250,800 Building $433,200
2022	$8,891.00	$474,700 Land $135,600 Building $339,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1278 Warwick Neck Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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	Hurricane Sandy, Oct 2012 · 2 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 1278 Warwick Neck 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 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 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

Cell Coverage

5G (outdoors only) and 4G LTE

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