North Kingstown Town property record for 190 Lloyd Rd, Saunderstown, RI 02874
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,600 sqft · built 2008 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,450,000 (Apr 2022) |
| Tax Bill | $17,964 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | NKIN M:019 B:140 |
| Primary APN | NKIN M:019 B:140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,600 sqft Living Area |
| Gross Area | 8,659 sqft |
| 1st Floor Area | 1,904 sqft |
| Basement Area | 1,904 sqft |
| Unfinished Basement | 1,904 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 80068 |
|---|---|
| Street Address | 190 LLOYD RD |
| City | SAUNDERSTOWN |
| State | RI |
| Zip | 02874-3319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Block | 140 |
| Jurisdiction | NORTH KINGSTOWN RI |
| Township / Civil Division | NORTH KINGSTOWN |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 50402 |
190 Lloyd Rd is owned and occupied by two individuals who acquired it in October 2025.
Source: North Kingstown Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 190 LLOYD RD, SAUNDERSTOWN, RI 02874-3319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 14, 2025 | Warranty Deed, Transfer |
| Jun 23, 2022 | Warranty Deed, Transfer · ARM BANK OF AMERICA NA |
| Apr 4, 2022 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2022 · Amount on File |
| Deed Sale | Apr 4, 2022 · Amount on File |
| Prior Sale | Oct 2, 2007 · Amount on File |
| Deed Book / Page | 3497 / 130 |
| Last Transfer Date | Oct 7, 2025 |
| Transfer Doc | 0003723-12 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Recording Date | Oct 14, 2025 |
| Property Address | 190 LLOYD RD, SAUNDERSTOWN, RI 02874-3319 |
| Document Number | 0003723-12 |
| Book / Page | 3723 / 12 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 3833 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 190 LLOYD RD, SAUNDERSTOWN, RI 02874-3319 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Recording Date | Jun 23, 2022 |
| Property Address | 190 LLOYD RD, SAUNDERSTOWN, RI 02874-3319 |
| Document Number | 003515-126 |
| Book / Page | 3515 / 126 |
| Instrument Date | Jun 14, 2022 |
| Instrument | 2875 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 190 LLOYD RD, SAUNDERSTOWN, RI 02874-3319 |
| Document Number | 003515-129 |
|---|---|
| Date | Jun 23, 2022 |
| Book Page | 3515/129 |
| Instrument | 2876 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.13% |
| Type Change Date | Jul 1, 2032 |
| Index | Other |
| Document Type | Deed |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Recording Date | Apr 4, 2022 |
| Property Address | 190 LLOYD RD, SAUNDERSTOWN, RI 02874-3319 |
| Document Number | 003497-130 |
| Book / Page | 3497 / 130 |
| Instrument Date | Apr 1, 2022 |
| Instrument | 1501 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 190 LLOYD RD, SAUNDERSTOWN, RI 02874-3319 |
The 2025 property tax bill for 190 Lloyd Rd was $17,964.
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 | $17,964.00 | $1,627,200 Land $641,700 Building $985,500 | $2,044,512 |
| 2023 | $14,952.00 | $1,042,700 Land $305,500 Building $737,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 Lloyd Rd 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 190 Lloyd Rd 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 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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