21 Ludlow Rd, Middletown, RI 02842 Property Records

Middletown Town property record for 21 Ludlow Rd, Middletown, RI 02842

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,426 sqft · built 1955
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Mar 2021)
Tax Bill	$4,075 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202100214`

Property Details

APN / Parcel Number

Primary APN	`202100214`
Alternative APN	`MIDD M:0107 B:NE L:84`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,426 sqft Living Area
Gross Area	1,447 sqft
1st Floor Area	1,426 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	202100214
Street Address	21 LUDLOW RD
City	MIDDLETOWN
State	RI
Zip	02842-6326
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R20
Legal Block	NE
Legal Lot Number	84
Jurisdiction	MIDDLETOWN RI
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2012
Census Tract	40304

Owner

21 Ludlow Rd, a duplex, is owned by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 3603, NEWPORT, RI 02840-0305
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2024	Deed of Trust, Mortgage · ARM BAYCOAST MORTGAGE COMPANY
Mar 24, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage BAYCOAST MORTGAGE COMPANY
Jun 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Prior Sale	Jun 1, 2018 · Amount on File
Deed Book / Page	1706 / 285
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	21 LUDLOW RD, MIDDLETOWN, RI 02842-6326
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001838-90
Date	Aug 2, 2024
Book Page	1838/90
Instrument	1342

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.88%
Type Change Date	Aug 1, 2029
Index	1-Year CMT

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN RI
Recording Date	Mar 24, 2021
Property Address	21 LUDLOW RD, MIDDLETOWN, RI 02842-6326
Document Number	001706-285
Book / Page	1706 / 285
Instrument Date	Mar 22, 2021
Instrument	1076
Transaction Type	Transfer
Record Updated	Nov 11, 2025

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

Mortgage

Document Number	0000001077
Date	Mar 24, 2021
Instrument	1077

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2031
Max Rate At Change	3.75%
Index	1-Year CMT

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN RI
Recording Date	Jun 1, 2018
Property Address	21 LUDLOW RD, MIDDLETOWN, RI 02842-6326
Document Number	1559-181
Book / Page	001559 / 000181
Instrument Date	May 31, 2018
Instrument	1111
Transaction Type	Transfer
Record Updated	Jun 19, 2018

Transaction

Amount	Amount on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3129 NEWPORT RI 028400322, NEWPORT, RI 02840-0322

Tax Assessment & Valuation

The 2025 property tax bill for 21 Ludlow Rd was $4,075.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,075.00	$345,600 Land $158,800 Building $186,800	$456,064
2023	$2,523.00 (+4.73%)	$200,400 (-) Land $102,500 Building $97,900
2022	$2,409.00	$200,400 Land $102,500 Building $97,900

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

Flood

FEMA maps place 21 Ludlow Rd in Zone X, an area of minimal flood risk, though there have been 7 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	7 (1982–2021)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Sep 2021 · river or lake 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

Wildfire risk around 21 Ludlow Rd 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 180 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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