15 Merle St, Warwick, RI 02889 Property Records

Warwick City property record for 15 Merle St, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 963 sqft · built 1915
Lot Size	0.147 acres (6,400 sqft)
Owner	Individual Name on Record
Last Sale	$133,000 (Oct 2008)
Tax Bill	$3,815 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32902050000`

Property Details

APN / Parcel Number

Primary APN	`32902050000`
Alternative APNs	`WARW M:329 B:0205 L:0000` `100143597`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	963 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	550 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,400 sqft (0.147 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	100143597
Street Address	15 MERLE ST
City	WARWICK
State	RI
Zip	02889-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	205
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	1
Census Block	1038
Census Tract	21402

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	21 ELBERTA ST, WARWICK, RI 02889-1004
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TRUST COMPANY
Oct 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BAYCOAST MORTGAGE COMPANY
Jul 13, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2008 · Amount on Record
Deed Sale	Oct 29, 2008 · Amount on Record
Prior Sale	Jun 11, 2004 · Amount on Record
Deed Book / Page	6942 / 1
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Recording Date	Jun 29, 2026
Property Address	15 MERLE ST, WARWICK, RI 02889-2412
Document Number	0000007525
Book / Page	10919 / 159
Instrument Date	Jun 26, 2026
Instrument	20267525
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 MERLE ST, WARWICK, RI 02889-2412

Mortgage

Document Number	0000007525,
Date	Jun 29, 2026
Book Page	10919/159
Instrument	20267525

Lender

Name	WASHINGTON TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2036

Interest

Rate	6.53%
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	15 MERLE ST, WARWICK, RI 02889-2412
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010231-106
Date	Oct 25, 2022
Book Page	10231/106
Instrument	14964

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	15 MERLE ST, WARWICK, RI 02889-2412
Document Number	9315-194
Instrument Date	Jul 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 MERLE ST WARWICK RI 028892412, WARWICK, RI 02889-2412

Mortgage

Document Number	9315-194
Date	Jul 25, 2019
Book Page	009315/000194
Instrument	10043

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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	Assessed Market Value
2025	$3,815.00 (+11.94%)	$300,400 (+25.06%) Land $104,500 Building $195,900
2024			$256,120
2023	$3,408.00 (+1.49%)	$240,200 (+33.97%) Land $90,900 Building $149,300
2022	$3,358.00	$179,300 Land $62,900 Building $116,400

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

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	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 538 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

Cell Coverage

5G (outdoors only) and 4G LTE

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