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20 Cliff Rd, Warwick, RI 02889 Property Records

Warwick City property record for 20 Cliff Rd, Warwick, RI 02889 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,768 sqft · built 2003
Lot Size0.189 acres (8,250 sqft)
Owner2 Individual Names on File
Last Sale$200,000 (Dec 2014)
Tax Bill$5,433 (2025)
Deeds & MortgagesApr 2026 Mortgage
Apr 2020 Refinance
+ 1 more
Flood ZoneZone X (minimal risk)
APN38002850000

Property Details

APN / Parcel Number

Primary APN38002850000
Alternative APNs
  • WARW M:380 B:0285 L:0000
  • 42272

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,768 sqft Living Area
Gross Area2,784 sqft
1st Floor Area884 sqft
Basement Area884 sqft
Unfinished Basement884 sqft

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,250 sqft (0.189 acres)
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number42272
Street Address20 CLIFF RD
CityWARWICK
StateRI
Zip02889-6109
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block285
JurisdictionWARWICK RI
Township / Civil DivisionWARWICK
Census Block Group2
Census Block2024
Census Tract21502

Owner

Source: Warwick City records · APN 38002850000

Assessment roll updated June 22, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address20 CLIFF RD, WARWICK, RI 02889-6109
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2026Deed of Trust, Mortgage · FHA Mortgage
SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Apr 07, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
HOME POINT FINANCIAL CORPORATION
Feb 07, 2018Quit Claim Deed, Transfer · Conventional with PMI
LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 11, 2014 · Amount on Record
Deed SaleDec 11, 2014 · Amount on Record
Prior SaleDec 16, 2003 · Amount on Record
Deed Book / Page8286 / 296
Transfer Doc8996-50
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWARWICK RI
Recording DateApr 28, 2026
Property Address20 CLIFF RD, WARWICK, RI 02889-6109
Document Number0000004556
Book / Page10880 / 178
Instrument DateApr 21, 2026
Instrument20264556
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 CLIFF RD, WARWICK, RI 02889-6109

Mortgage

Document Number010880-178,
DateApr 28, 2026
Book Page10880/178
Instrument20264556
Lender
NameSECRETARY OF HOUSING AND URBAN DEVELOPMEN
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
Interest
Rate6.38%
Max Rate-1%

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWARWICK RI
Property Address20 CLIFF RD, WARWICK, RI 02889-6109
Transaction TypeMortgage
Record UpdatedMar 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number9483-197
DateApr 07, 2020
Book Page9483/197
Instrument4353
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueMay 01, 2050

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWARWICK RI
Recording DateFeb 07, 2018
Property Address20 CLIFF RD, WARWICK, RI 02889-6109
Document Number8996-50
Book / Page008996 / 000050
Instrument DateFeb 02, 2018
Instrument81
Transaction TypeTransfer
Record UpdatedMar 01, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20 CLIFF RD WARWICK RI 028896109, WARWICK, RI 02889-6109

Mortgage

Document Number8996-52
DateFeb 07, 2018
Book Page008996/000052
Instrument82
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueFeb 06, 2048

Tax Assessment & Valuation

Source: Warwick City records · Assessment roll updated June 22, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateRhode Island
MunicipalityWarwick City
Unified School DistrictWarwick School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,433.00 (+3.7%)$427,800 (+15.87%) Land $113,200 Building $314,600
2024$317,300
2023$5,239.00 (+1.91%)$369,200 (+34.5%) Land $98,400 Building $270,800
2022$5,141.00$274,500 Land $62,300 Building $212,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44003C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440030215022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims6 (1991–2012)
Claims Outside the SFHA3 of 6
Most Recent ClaimOct 2012, tidal / storm surge, Hurricane Sandy
Claims By Storm
  • Severe Storms And Flooding, Mar 2010 · 2 claims
  • Hurricane Bob, Aug 1991 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 159 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 35
VerizonFiber980 / 880

Availability varies by address; speeds are provider-advertised maximums, not measured.

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