North Kingstown Town property record for 181 Lloyd Rd, Saunderstown, RI 02874
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,170 sqft · built 1930 |
| Lot Size | 0.773 acres (33,662 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,150,000 (Apr 2011) |
| Tax Bill | $18,994 (2025) |
| Deeds & Mortgages | Jul 2023 Refinance Jan 2022 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | NKIN M:019 B:096 |
| Primary APN | NKIN M:019 B:096 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,170 sqft Living Area |
| Gross Area | 4,522 sqft |
| 1st Floor Area | 1,530 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 33,662 sqft (0.773 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 34514 |
|---|---|
| Street Address | 181 LLOYD RD |
| City | SAUNDERSTOWN |
| State | RI |
| Zip | 02874-3321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Block | 96 |
| Jurisdiction | NORTH KINGSTOWN RI |
| Township / Civil Division | NORTH KINGSTOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 50402 |
Source: North Kingstown Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 31 VALLEYFIELD ST, LEXINGTON, MA 02421-7949 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 6, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION |
| Jan 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION |
| Mar 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Feb 1, 2019 | Deed of Trust, Mortgage · ARM TIAA CREF TRUST CO FSB |
| Sep 11, 2019 | Deed of Trust, Mortgage · Line of Credit NAVIGANT CU |
| Oct 10, 2017 | Deed of Trust, Mortgage · Line of Credit NAVIGANT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2011 · Amount on Record |
| Deed Sale | Apr 8, 2011 · Amount on Record |
| Prior Sale | Apr 25, 1996 · Amount on Record |
| Deed Book / Page | 2559 / 149 |
| Last Transfer Date | Jun 12, 2024 |
| Transfer Doc | 0003635-60 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 181 LLOYD RD, SAUNDERSTOWN, RI 02874-3321 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003580-202 |
|---|---|
| Date | Jul 6, 2023 |
| Book Page | 3580/202 |
| Instrument | 2092 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 181 LLOYD RD, SAUNDERSTOWN, RI 02874-3321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003481-215 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 3481/215 |
| Instrument | 350 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 181 LLOYD RD, SAUNDERSTOWN, RI 02874-3321 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3381-312 |
|---|---|
| Date | Mar 5, 2021 |
| Book Page | 3381/312 |
| Instrument | 1373 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 181 LLOYD RD, SAUNDERSTOWN, RI 02874-3321 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3172-48 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 3172/48 |
| Instrument | 333 |
| Name | TIAA CREF TRUST CO FSB |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Type Change Date | Feb 1, 2034 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 181 LLOYD RD, SAUNDERSTOWN, RI 02874-3321 |
| Document Number | 3221-102 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 181 LLOYD RD SAUNDERSTOWN RI 028743321, SAUNDERSTOWN, RI 02874-3321 |
| Document Number | 3221-102 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 003221/000102 |
| Instrument | 4021 |
| Name | NAVIGANT CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 181 LLOYD RD, SAUNDERSTOWN, RI 02874-3321 |
| Document Number | 3082-241 |
| Book / Page | 003082 / 000241 |
| Instrument Date | Oct 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2017 |
| Name | Verified Name |
|---|---|
| Address | 181 LLOYD RD SAUNDERSTOWN RI 028743321, SAUNDERSTOWN, RI 02874-3321 |
| Document Number | 3082-241 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 003082/000241 |
| Instrument | 4578 |
| Name | NAVIGANT CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: North Kingstown Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | North Kingstown Town |
| Unified School District | North Kingstown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,994.00 (+15.95%) | $1,720,500 (+50.62%) Land $1,133,400 Building $587,100 | $2,597,539 |
| 2023 | $16,381.00 | $1,142,300 Land $645,300 Building $497,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 25 (1978–2024) |
| Claims Outside the SFHA | 7 of 25 |
| Most Recent Claim | May 2024 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 88% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOWN OF NORTH KINGSTOWN serves 27,732 people · EPA ID RI1559517 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 137 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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