270 3rd Beach Rd, Middletown, RI 02842 Property Records

Middletown Town property record for 270 3rd Beach Rd, Middletown, RI 02842

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,511 sqft · built 1983
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (May 1997)
Tax Bill	$9,522 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`199800297`

Property Details

APN / Parcel Number

Primary APN	`199800297`
Alternative APN	`MIDD M:0125 B:00 L:907`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,511 sqft Living Area
Gross Area	4,776 sqft
1st Floor Area	1,450 sqft
Basement Area	1,233 sqft
Unfinished Basement	1,233 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,818 sqft (0.96 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	199800297
Street Address	270 3RD BEACH RD
City	MIDDLETOWN
State	RI
Zip	02842-5737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Lot Number	907
Jurisdiction	MIDDLETOWN RI
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1030
Census Tract	40400

Owner

270 3rd Beach Rd is owned and occupied by two individuals who bought it in May 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	270 3RD BEACH RD, MIDDLETOWN, RI 02842-5737
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
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Mar 26, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 1997 · Amount on File
Deed Sale	May 30, 1997 · Amount on File
Deed Book / Page	424 / 33
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	270 3RD BEACH RD, MIDDLETOWN, RI 02842-5737
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001887-25
Date	Nov 5, 2025
Book Page	1887/25
Instrument	2109

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	270 3RD BEACH RD, MIDDLETOWN, RI 02842-5737
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001728-76
Date	Jul 23, 2021
Book Page	1728/76
Instrument	2578

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	270 3RD BEACH RD, MIDDLETOWN, RI 02842-5737
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1730-290
Date	Aug 13, 2021
Book Page	1730/290
Instrument	2754

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2046

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	270 3RD BEACH RD, MIDDLETOWN, RI 02842-5737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1642-63
Date	Mar 26, 2020
Book Page	1642/63
Instrument	881

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	270 3RD BEACH RD, MIDDLETOWN, RI 02842-5737
Document Number	1625-97
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	270 3RD BEACH RD MIDDLETOWN RI 028425737, MIDDLETOWN, RI 02842-5737

Mortgage

Document Number	1625-97
Date	Nov 19, 2019
Book Page	001625/000097
Instrument	3023

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 18, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 270 3rd Beach Rd was $9,522.

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	$9,522.00	$807,600 Land $477,200 Building $330,400	$1,848,425
2023	$8,037.00 (+4.73%)	$638,400 (-) Land $323,000 Building $315,400
2022	$7,674.00	$638,400 Land $323,000 Building $315,400

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

Flood

FEMA maps place 270 3rd Beach Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (1991–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2023 · rainfall accumulation

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 270 3rd Beach 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 97% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 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

May also be available: T-Mobile, Verizon.

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