23 Spring Garden St, Warwick, RI 02888 Property Records

Warwick City property record for 23 Spring Garden St, Warwick, RI 02888

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,260 sqft · built 1900
Lot Size	0.177 acres (7,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jan 1990)
Tax Bill	$4,801 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29203240000`

Property Details

APN / Parcel Number

Primary APN	`29203240000`
Alternative APNs	`WARW M:292 B:0324 L:0000` `125931404`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,591 sqft
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,715 sqft (0.177 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	125931404
Street Address	23 SPRING GARDEN ST
City	WARWICK
State	RI
Zip	02888-1643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	324
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	1
Census Block	1014
Census Tract	21002

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Pawtuxet Village Historic District listed 1973 · 417 contributing resources · NRIS 73000050

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	23 SPRING GARDEN ST, WARWICK, RI 02888-1643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 25, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 23, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 1990 · Amount on Record
Deed Sale	Jan 26, 1990 · Amount on Record
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	23 SPRING GARDEN ST, WARWICK, RI 02888-1643
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010787-103
Date	Nov 10, 2025
Book Page	10787/103
Instrument	12981

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	23 SPRING GARDEN ST, WARWICK, RI 02888-1643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8906-1
Date	Sep 25, 2017
Book Page	8906/1
Instrument	14120

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	23 SPRING GARDEN ST, WARWICK, RI 02888-1643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9676-39
Date	Nov 23, 2020
Book Page	9676/39
Instrument	18633

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

Tax Assessment & Valuation

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	$4,801.00 (+1.91%)	$378,000 (+13.86%) Land $196,200 Building $181,800
2024			$530,100
2023	$4,711.00 (+3.38%)	$332,000 (+36.46%) Land $170,500 Building $161,500
2022	$4,557.00	$243,300 Land $119,900 Building $123,400

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
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

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	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 513 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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