235 Palmer Ave, Warwick, RI 02889 Property Records

Warwick City property record for 235 Palmer Ave, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,726 sqft · built 1925
Lot Size	0.17 acres (7,410 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2017)
Tax Bill	$4,580 (2025)
Deeds & Mortgages	Jul 2021 Refinance Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37904500000`

Property Details

APN / Parcel Number

Primary APN	`37904500000`
Alternative APNs	`WARW M:379 B:0450 L:0000` `700036578`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,726 sqft Living Area
Gross Area	3,310 sqft
1st Floor Area	1,102 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,410 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	700036578
Street Address	235 PALMER AVE
City	WARWICK
State	RI
Zip	02889-5419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A10
Legal Block	450
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2027
Census Tract	21502

Owner

235 Palmer Ave is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	235 PALMER AVE, WARWICK, RI 02889-5419
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTAR MORTAGE INC
Jan 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU
Dec 28, 2017	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2017 · Amount on File
Deed Sale	Dec 28, 2017 · Amount on File
Prior Sale	Mar 6, 2003 · Amount on File
Deed Book / Page	8972 / 125
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	235 PALMER AVE, WARWICK, RI 02889-5419
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009890-164
Date	Jul 6, 2021
Book Page	9890/164
Instrument	13768

Lender

Name	HOMESTAR MORTAGE INC

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	235 PALMER AVE, WARWICK, RI 02889-5419
Document Number	9452-301
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 PALMER AVE WARWICK RI 028895419, WARWICK, RI 02889-5419

Mortgage

Document Number	9452-301
Date	Feb 7, 2020
Book Page	009452/000301
Instrument	1833

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Dec 28, 2017
Property Address	235 PALMER AVE, WARWICK, RI 02889-5419
Document Number	8972-125
Book / Page	8972 / 125
Instrument	19291
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	$34.06
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	89720127
Date	Dec 28, 2017
Instrument	08972/0127

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 235 Palmer Ave was $4,580.

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	$4,580.00	$360,600 Land $112,100 Building $248,500
2024			$433,010
2023	$4,488.00 (+4.59%)	$316,300 (+38.06%) Land $97,400 Building $218,900
2022	$4,291.00	$229,100 Land $61,100 Building $168,000

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

Flood

FEMA maps place 235 Palmer Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1991.

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 11 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (1991–2012)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Hurricane Bob, Aug 1991 · 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 235 Palmer Ave 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 93% of the US · lower than 77% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 419 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

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