Warwick City property record for 20 Charles St, Warwick, RI 02889
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 933 sqft · built 1915 |
| Lot Size | 0.093 acres (4,050 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $156,000 (Oct 2014) |
| Tax Bill | $4,749 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31703570000 |
| Primary APN | 31703570000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 933 sqft Living Area |
| Gross Area | 1,974 sqft |
| 1st Floor Area | 658 sqft |
| Basement Area | 550 sqft |
| Unfinished Basement | 550 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,050 sqft (0.093 acres) |
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 34374 |
|---|---|
| Street Address | 20 CHARLES ST |
| City | WARWICK |
| State | RI |
| Zip | 02889-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A7 |
| Legal Block | 357 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 21501 |
Source: Warwick City records, as of June 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 CHARLES ST, WARWICK, RI 02889-2607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2014 · Amount on Record |
| Deed Sale | Oct 24, 2014 · Amount on Record |
| Prior Sale | Jul 3, 2003 · Amount on Record |
| Deed Book / Page | 8261 / 263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Apr 20, 2026 |
| Property Address | 20 CHARLES ST, WARWICK, RI 02889-2607 |
| Document Number | 00010875-1 |
| Book / Page | 10875 / 1 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 20264072 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 CHARLES ST, WARWICK, RI 02889-2607 |
| Document Number | 0000004072, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 10875/1 |
| Instrument | 20264072 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
Source: Warwick City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Warwick City |
| Unified School District | Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,749.00 (+20.99%) | $373,900 (+35.18%) Land $108,100 Building $265,800 |
| 2023 | $3,925.00 (+17.51%) | $276,600 (+55.13%) Land $90,500 Building $186,100 |
| 2022 | $3,340.00 | $178,300 Land $56,900 Building $121,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 VE, within 500 ft |
| 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 | 7 (1978–1991) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Oct 1991 · tidal / storm surge |
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 546 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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