2 Ruth St, Middletown, RI 02842 Property Records

Middletown Town property record for 2 Ruth St, Middletown, RI 02842

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,172 sqft · built 1962
Lot Size	0.29 acres (12,632 sqft)
Owner	Company Name on File
Last Sale	$645,000 (Jan 2024)
Tax Bill	$5,844 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`202400044`

Property Details

APN / Parcel Number

Primary APN	`202400044`
Alternative APNs	`MIDD M:0105 B:00 L:31A` `201600280`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,172 sqft Living Area
Gross Area	3,404 sqft
1st Floor Area	1,172 sqft
Basement Area	1,140 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	202400044
Street Address	2 RUTH ST
City	MIDDLETOWN
State	RI
Zip	02842-4556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Lot Number	31A
Jurisdiction	MIDDLETOWN RI
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2015
Census Tract	40303

Owner

2 Ruth St is owned by a company that acquired it in December 2025.

Source: Middletown Town records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	2 RUTH ST, MIDDLETOWN, RI 02842-4556
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 22, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 25, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage FLORIDA CAPITAL BANK MORTGAGE
Dec 27, 2018	Deed of Trust, Transfer · Conventional Mortgage MISCELLANEOUS FIN & MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2024 · Amount on File
Deed Sale	Jan 25, 2024 · Amount on File
Prior Sale	Dec 27, 2018 · Amount on File
Deed Book / Page	1821 / 73
Last Transfer Date	Dec 29, 2025
Transfer Doc	001894-138
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	2 RUTH ST, MIDDLETOWN, RI 02842-4556
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001892-118
Date	Dec 31, 2025
Book Page	1892/118
Instrument	2435

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLETOWN RI
Recording Date	Jan 22, 2026
Property Address	2 RUTH ST, MIDDLETOWN, RI 02842-4556
Document Number	001894-138
Book / Page	1894 / 138
Instrument Date	Dec 29, 2025
Instrument	107
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN RI
Recording Date	Jan 25, 2024
Property Address	2 RUTH ST, MIDDLETOWN, RI 02842-4556
Document Number	0001821-73
Book / Page	1821 / 73
Instrument Date	Jan 25, 2024
Instrument	134
Transaction Type	Transfer
Record Updated	Feb 8, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	201 WESCHLER RD, MIDDLETOWN, RI 02842-4416

Mortgage

Document Number	0000000135
Date	Jan 25, 2024
Instrument	135

Lender

Name	FLORIDA CAPITAL BANK MORTGAGE
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	2 RUTH ST, MIDDLETOWN, RI 02842-4556
Document Number	1583-205
Instrument Date	Dec 27, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RUTH ST MIDDLETOWN RI 028424556, MIDDLETOWN, RI 02842-4556

Mortgage

Document Number	1583-205
Date	Dec 27, 2018
Book Page	001583/000205
Instrument	2997

Lender

Name	MISCELLANEOUS FIN & MTG CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2 Ruth St was $5,844.

Source: Middletown Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Middletown Town
Unified School District	Middletown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,844.00	$495,700 Land $314,100 Building $181,600	$643,939
2023	$4,305.00 (+4.74%)	$341,900 (-) Land $202,600 Building $139,300
2022	$4,110.00	$341,900 Land $202,600 Building $139,300

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

Flood

FEMA maps place 2 Ruth St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1985.

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 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1985–2021)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2021 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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

The area around 2 Ruth St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	NEWPORT-CITY OF serves 42,155 people · EPA ID RI1592010
Water Source	Surface water
Last State Inspection	Oct 2022
Lead	4 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Nearby Properties on Ruth St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures