Charlestown Town property record for 185 E Beach Rd, Charlestown, RI 02813
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,230 sqft · built 2014 |
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $785,000 (Apr 2017) |
| Tax Bill | $6,575 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 4-0412-28 |
| Primary APN | 4-0412-28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,230 sqft Living Area |
| Gross Area | 4,022 sqft |
| 1st Floor Area | 1,166 sqft |
| Basement Area | 1,166 sqft |
| Unfinished Basement | 1,166 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 33,541 sqft (0.77 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 4-0412-28 |
|---|---|
| Street Address | 185 E BEACH RD |
| City | CHARLESTOWN |
| State | RI |
| Zip | 02813-1602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2A |
| Legal Lot Number | 42 |
| Jurisdiction | CHARLESTOWN RI |
| Township / Civil Division | CHARLESTOWN |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 51101 |
Source: Charlestown 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 Individual Names on Record |
|---|---|
| Mailing Address | 185 E BEACH RD, CHARLESTOWN, RI 02813-1602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 11, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2017 · Amount on Record |
| Deed Sale | Apr 11, 2017 · Amount on Record |
| Prior Sale | Jun 26, 2008 · Amount on Record |
| Deed Document Number | 2017580 |
| Deed Book / Page | 425 / 427 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTOWN RI |
| Property Address | 185 E BEACH RD, CHARLESTOWN, RI 02813-1602 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 469-346 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 469/346 |
| Instrument | 106 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Feb 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLESTOWN RI |
| Recording Date | Apr 11, 2017 |
| Property Address | 185 E BEACH RD, CHARLESTOWN, RI 02813-1602 |
| Document Number | 425-427 |
| Book / Page | 425 / 427 |
| Instrument | 580 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.91 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | , 00425/0429 |
|---|---|
| Date | Apr 11, 2017 |
| Instrument | 00425/0429 |
| Type | Bank |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 11, 2047 |
Source: Charlestown Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Charlestown Town |
| Unified School District | Chariho Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,575.00 (+3.3%) | $1,108,800 (-) Land $494,100 Building $614,700 | $1,693,056 |
| 2023 | $6,365.00 | $1,108,800 Land $494,100 Building $614,700 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 282 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 282 in force |
| Nearby Flood Claims | 15 (1998–2021) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
| 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 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 127 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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