20 Defiance Rd, Warwick, RI 02889 Property Records

Warwick City property record for 20 Defiance Rd, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,726 sqft · built 1950
Lot Size	0.321 acres (14,000 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (May 2017)
Tax Bill	$6,367 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`35102320000`

Property Details

APN / Parcel Number

Primary APN	`35102320000`
Alternative APNs	`WARW M:351 B:0232 L:0000` `100141601`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,726 sqft Living Area
Gross Area	4,867 sqft
1st Floor Area	1,844 sqft
Basement Area	282 sqft
Unfinished Basement	282 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,000 sqft (0.321 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	100141601
Street Address	20 DEFIANCE RD
City	WARWICK
State	RI
Zip	02889-4308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	232
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	1
Census Block	1028
Census Tract	21800

Owner

20 Defiance Rd is owned and occupied by two individuals who bought it in May 2017.

Source: Warwick City records, as of June 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 DEFIANCE RD, WARWICK, RI 02889-4308
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Balloon Mortgage NAVIGANT CREDIT UNION
Oct 21, 2025	Deed of Trust, Mortgage THE WASHINGTON TRUST CO OF WESTERLY
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TR CO
May 26, 2018	Deed of Trust, Mortgage · Line of Credit PAWTUCKET CU
May 31, 2017	Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Deed Document Number	20177602
Deed Book / Page	8827 / 175
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	20 DEFIANCE RD, WARWICK, RI 02889-4308
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009774-133
Date	Mar 10, 2021
Book Page	9774/133
Instrument	4969

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	20 DEFIANCE RD, WARWICK, RI 02889-4308
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010776-17
Date	Oct 21, 2025
Book Page	10776/17
Instrument	12170

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	20 DEFIANCE RD, WARWICK, RI 02889-4308
Document Number	9334-105
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 DEFIANCE RD WARWICK RI 028894308, WARWICK, RI 02889-4308

Mortgage

Document Number	9334-105
Date	Aug 21, 2019
Book Page	009334/000105
Instrument	11542

Lender

Name	WASHINGTON TR CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	20 DEFIANCE RD, WARWICK, RI 02889-4308
Document Number	9065-153
Instrument Date	May 26, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 DEFIANCE RD WARWICK RI 028894308, WARWICK, RI 02889-4308

Mortgage

Document Number	9065-153
Date	Jun 7, 2018
Book Page	009065/000153
Instrument	7605

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 6, 2043

Interest

Rate Type	Adjustable Rate

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WARWICK RI
Recording Date	May 31, 2017
Property Address	20 DEFIANCE RD, WARWICK, RI 02889-4308
Document Number	8827-175
Book / Page	8827 / 175
Instrument	7602
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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

Mortgage

Document Number	8827-179
Date	May 31, 2017
Book Page	8827/179
Instrument	7603

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20 Defiance Rd was $6,367.

Source: Warwick City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Warwick City
Unified School District	Warwick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,367.00	$501,300 Land $161,800 Building $339,500
2024			$622,725
2023	$5,990.00 (+7.29%)	$422,100 (+41.6%) Land $115,600 Building $306,500
2022	$5,583.00	$298,100 Land $70,600 Building $227,500

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

Flood

FEMA maps place 20 Defiance Rd in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1982.

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 9 (5% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	26 (1982–2010)
Claims Outside the SFHA	11 of 26
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 22 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 20 Defiance Rd 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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