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20 Oyster Shell Ter, Saunderstown, RI 02874 Property Records

Narragansett Town property record for 20 Oyster Shell Ter, Saunderstown, RI 02874

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,828 sqft · built 1985
Lot Size0.246 acres (10,694 sqft)
OwnerIndividual Name on File
Last Sale$375,000 (Mar 2018)
Tax Bill$4,191 (2025)
Deeds & MortgagesSep 2020 Refinance
Mar 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNNARR M:N-K B:2 L:24

Property Details

APN / Parcel Number

Primary APNNARR M:N-K B:2 L:24
Alternative APNs
  • M:N=K B:2 L:24
  • 7145595

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,828 sqft Living Area
Gross Area2,950 sqft
Basement Area672 sqft
Unfinished Basement476 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1996
Architectural StyleColonial
Exterior MaterialWood Siding
Construction TypeFrame
Roof MaterialAsphalt
Lot Area10,694 sqft (0.246 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number7145595
Street Address20 OYSTER SHELL TER
CitySAUNDERSTOWN
StateRI
Zip02874-2444
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-80
Legal Block2
Legal Lot Number24
JurisdictionNARRAGANSETT RI
Township / Civil DivisionNARRAGANSETT
Census Block Group5
Census Block5011
Census Tract51502

Owner

20 Oyster Shell Ter is owned and occupied by an individual who bought it in March 2018.

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

Owner of RecordIndividual Name on File
Mailing Address20 OYSTER SHELL TER, SAUNDERSTOWN, RI 02874-2444
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 3, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
BAYCOAST MORTGAGE COMPANY
Mar 19, 2018Warranty Deed, Transfer
BAYCOAST MORTGAGE CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 19, 2018 · Amount on File
Deed SaleMar 19, 2018 · Amount on File
Prior SaleJun 28, 1991 · Amount on File
Deed Document Number2018817
Deed Book / Page909 / 208
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNARRAGANSETT RI
Property Address20 OYSTER SHELL TER, SAUNDERSTOWN, RI 02874-2444
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number957-184
DateSep 3, 2020
Book Page957/184
Instrument2020003682
Lender
NameBAYCOAST MORTGAGE COMPANY
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term241 Months
DueOct 1, 2040

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNARRAGANSETT RI
Recording DateMar 19, 2018
Property Address20 OYSTER SHELL TER, SAUNDERSTOWN, RI 02874-2444
Document Number909-208
Book / Page909 / 208
Instrument817
Transaction TypeTransfer
Record UpdatedJun 4, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$27.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number9090210
DateMar 19, 2018
Instrument00909/0210
Lender
NameBAYCOAST MORTGAGE CO
Agreement
AmountAmount on Record
Term360 Months
DueMar 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20 Oyster Shell Ter was $4,191.

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

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionNarragansett Town
Unified School DistrictNarragansett School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,191.00$617,200 Land $210,000 Building $407,200$725,178
2023$4,011.00 (+3.46%)$430,800 (-) Land $150,000 Building $280,800
2022$3,877.00$430,800 Land $150,000 Building $280,800

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

Flood

FEMA maps place 20 Oyster Shell Ter in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims6 (2005–2024)
Claims Outside the SFHA4 of 6
Most Recent ClaimApr 2024 · rainfall accumulation
Claims by Event
  • Severe Storms And Flooding, Mar 2010 · 2 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

Wildfire risk around 20 Oyster Shell Ter is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemNARRAGANSETT WATER DEPT-NORTH END
serves 4,432 people · EPA ID RI1858429
Water SourcePurchased groundwater from several systems
Last State InspectionJun 2023
Lead1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 322 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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