20 Shirley St, Warwick, RI 02888 Property Records

Warwick City property record for 20 Shirley St, Warwick, RI 02888

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,184 sqft · built 1925
Lot Size	0.128 acres (5,570 sqft)
Owner	2 Individual Names on File
Last Sale	$202,500 (Aug 2017)
Tax Bill	$3,983 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29400370000`

Property Details

APN / Parcel Number

Primary APN	`29400370000`
Alternative APNs	`WARW M:294 B:0037 L:0000` `131993`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
Gross Area	2,518 sqft
1st Floor Area	836 sqft
Attic	Attic
Attic Area	836 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,570 sqft (0.128 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	131993
Street Address	20 SHIRLEY ST
City	WARWICK
State	RI
Zip	02888-2623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	37
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2010
Census Tract	21200

Owner

20 Shirley St is owned and occupied by two individuals who acquired it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 SHIRLEY ST, WARWICK, RI 02888-2623
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
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL ONE CREDIT UNION
Nov 18, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Sep 9, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Aug 23, 2017	Warranty Deed, Transfer · FHA Mortgage NORCOM MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on File
Deed Sale	Aug 23, 2017 · Amount on File
Prior Sale	Mar 10, 2014 · Amount on File
Deed Document Number	201712333
Deed Book / Page	8884 / 121
Last Transfer Date	Nov 16, 2021
Transfer Doc	010010-285
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	20 SHIRLEY ST, WARWICK, RI 02888-2623
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010830-184
Date	Jan 30, 2026
Book Page	10830/184
Instrument	965

Lender

Name	COASTAL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Nov 18, 2021
Property Address	20 SHIRLEY ST, WARWICK, RI 02888-2623
Document Number	010010-283
Book / Page	10010 / 283
Instrument Date	Nov 16, 2021
Instrument	23077
Transaction Type	Transfer
Record Updated	Apr 27, 2026

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

Mortgage

Document Number	010010-285
Date	Nov 18, 2021
Book Page	10010/285
Instrument	23078

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Sep 9, 2019
Property Address	20 SHIRLEY ST, WARWICK, RI 02888-2623
Document Number	9346-330
Book / Page	9346 / 330
Instrument Date	Sep 4, 2019
Instrument	12402
Transaction Type	Transfer
Record Updated	Jun 4, 2021

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

Mortgage

Document Number	9346-332
Date	Sep 9, 2019
Book Page	9346/332
Instrument	12403

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Aug 23, 2017
Property Address	20 SHIRLEY ST, WARWICK, RI 02888-2623
Document Number	8884-121
Book / Page	8884 / 121
Instrument	12333
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	$28.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	88840123
Date	Aug 23, 2017
Instrument	08884/0123

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20 Shirley St was $3,983.

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	$3,983.00	$313,600 Land $99,700 Building $213,900
2024			$326,610
2023	$3,475.00 (+4.95%)	$244,900 (+38.52%) Land $82,400 Building $162,500
2022	$3,311.00	$176,800 Land $49,900 Building $126,900

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

Flood

FEMA maps place 20 Shirley St in Zone X, an area of minimal flood risk.

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	4 in force

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 Shirley St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 307 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Shirley St

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