Middletown Town property record for 20 Willow Ave, Middletown, RI 02842
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,854 sqft · built 1962 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Apr 2019) |
| Tax Bill | $7,305 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance May 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 201900245 |
| Primary APN | 201900245 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,854 sqft Living Area |
| Gross Area | 3,768 sqft |
| 1st Floor Area | 1,854 sqft |
| Basement Area | 1,134 sqft |
| Unfinished Basement | 588 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 201900245 |
|---|---|
| Street Address | 20 WILLOW AVE |
| City | MIDDLETOWN |
| State | RI |
| Zip | 02842-4948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Block | NW |
| Legal Lot Number | 332 |
| Jurisdiction | MIDDLETOWN RI |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 40302 |
20 Willow Ave is owned and occupied by two individuals who bought it in April 2019.
Source: Middletown Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 WILLOW AVE, MIDDLETOWN, RI 02842-4948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| May 6, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB |
| Apr 12, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOME LOAN AND INVESTMENT BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2019 · Amount on File |
| Deed Sale | Apr 12, 2019 · Amount on File |
| Prior Sale | Jun 8, 1999 · Amount on File |
| Deed Document Number | 2019696 |
| Deed Book / Page | 1592 / 97 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETOWN RI |
| Property Address | 20 WILLOW AVE, MIDDLETOWN, RI 02842-4948 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1746-21 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 1746/21 |
| Instrument | 3782 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETOWN RI |
| Property Address | 20 WILLOW AVE, MIDDLETOWN, RI 02842-4948 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1648-190 |
|---|---|
| Date | May 6, 2020 |
| Book Page | 1648/190 |
| Instrument | 1292 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDDLETOWN RI |
| Recording Date | Apr 12, 2019 |
| Property Address | 20 WILLOW AVE, MIDDLETOWN, RI 02842-4948 |
| Document Number | 1592-97 |
| Book / Page | 1592 / 97 |
| Instrument Date | Apr 12, 2019 |
| Instrument | 696 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 697 |
|---|---|
| Date | Apr 12, 2019 |
| Instrument | 697 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 20 Willow Ave was $7,305.
Source: Middletown Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Middletown Town |
| Unified School District | Middletown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,305.00 | $619,600 Land $418,600 Building $201,000 | $702,104 |
| 2023 | $4,764.00 (+4.75%) | $378,400 (-) Land $225,000 Building $153,400 | |
| 2022 | $4,548.00 | $378,400 Land $225,000 Building $153,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Willow Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 20 Willow Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEWPORT-CITY OF serves 42,155 people · EPA ID RI1592010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 265 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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