20 Ernest St, Coventry, RI 02816 Property Records

Coventry Town property record for 20 Ernest St, Coventry, RI 02816

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 827 sqft · built 1880
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Sep 2024)
Tax Bill	$3,337 (2025)
Deeds & Mortgages	Sep 2025 Transfer Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7-0001-86`

Property Details

APN / Parcel Number

Primary APN	`7-0001-86`
Alternative APNs	`COVE M:64 L:64` `6775`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	827 sqft Living Area
Gross Area	1,962 sqft
1st Floor Area	592 sqft
Attic	Attic
Attic Area	163 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	7-0001-86
Street Address	20 ERNEST ST
City	COVENTRY
State	RI
Zip	02816-7333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Lot Number	64
Jurisdiction	COVENTRY RI
Township / Civil Division	COVENTRY
Census Block Group	2
Census Block	2015
Census Tract	20604

Owner

20 Ernest St is owned and occupied by two individuals who acquired it in September 2025.

Source: Coventry Town records, as of June 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 ERNEST ST, COVENTRY, RI 02816-7333
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
Sep 11, 2025	Quit Claim Deed, Transfer Quitclaim
Mar 26, 2021	Deed of Trust, Mortgage · Balloon Mortgage CENTREVILLE BANK
Jul 3, 2020	Deed of Trust, Mortgage CENTREVILLE BK
Jul 3, 2020	Deed of Trust, Mortgage CENTREVILLE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2024 · Amount on File
Deed Sale	Sep 4, 2024 · Amount on File
Prior Sale	Sep 3, 2024 · Amount on File
Deed Document Number	202424893021
Last Transfer Date	Sep 5, 2025
Transfer Doc	002335-986
Record Updated	Sep 20, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COVENTRY RI
Recording Date	Sep 11, 2025
Property Address	20 ERNEST ST, COVENTRY, RI 02816-7333
Document Number	002335-986
Book / Page	2335 / 986
Instrument Date	Sep 5, 2025
Instrument	4411
Transaction Type	Transfer
Record Updated	Oct 1, 2025

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
Relationship	Tenants by the Entirety

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVENTRY RI
Property Address	20 ERNEST ST, COVENTRY, RI 02816-7333
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2203-381
Date	Mar 26, 2021
Book Page	2203/381
Instrument	2759

Lender

Name	CENTREVILLE BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2046

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVENTRY RI
Property Address	20 ERNEST ST, COVENTRY, RI 02816-7333
Document Number	0024852934
Instrument Date	Jul 3, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ERNEST ST COVENTRY RI 028167333, COVENTRY, RI 02816-7333

Mortgage

Document Number	0024852934
Date	Jul 9, 2020
Instrument	24852934

Lender

Name	CENTREVILLE BK

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 8, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVENTRY RI
Property Address	20 ERNEST ST, COVENTRY, RI 02816-7333
Document Number	2168-611
Instrument Date	Jul 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ERNEST ST COVENTRY RI 028167333, COVENTRY, RI 02816-7333

Mortgage

Document Number	2168-611
Date	Jul 9, 2020
Book Page	002168/000611
Instrument	4205

Lender

Name	CENTREVILLE BK

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 8, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 20 Ernest St was $3,337, up 1.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,337.00 (+1.58%)	$207,400 (-) Land $82,300 Building $125,100
2024	$3,285.00 (+3.33%)	$207,400 (-) Land $82,300 Building $125,100	$387,125
2023	$3,179.00	$207,400 Land $82,300 Building $125,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 20 Ernest St in Zone X, an area of minimal flood risk, though there have been 6 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1982–2010)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 Ernest 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	KENT COUNTY WATER AUTHORITY serves 94,107 people · EPA ID RI1559511
Water Source	Purchased surface water from several systems
Last State Inspection	May 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	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. 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 411 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

May also be available: T-Mobile.

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