Lincoln Town property record for 281 Old River Rd, Lincoln, RI 02865
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,704 sqft · built 1969 |
| Lot Size | 0.792 acres (34,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $427,000 (Jun 2019) |
| Tax Bill | $8,976 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Nov 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-29502-65 |
| Primary APN | 2-29502-65 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,704 sqft Living Area |
| Gross Area | 4,198 sqft |
| 1st Floor Area | 1,744 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 34,500 sqft (0.792 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 2-29502-65 |
|---|---|
| Street Address | 281 OLD RIVER RD |
| City | LINCOLN |
| State | RI |
| Zip | 02865-1172 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS12 |
| Legal Lot Number | 57.0 |
| Jurisdiction | LINCOLN RI |
| Township / Civil Division | LINCOLN |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 11500 |
281 Old River Rd is owned and occupied by two individuals who bought it in June 2019.
Source: Lincoln Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 281 OLD RIVER RD, LINCOLN, RI 02865-1172 |
| 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 |
|---|---|
| Oct 3, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) HOME LOAN AND INVESTMENT BANK FSB |
| Nov 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB |
| Apr 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB |
| Jun 18, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOME LOAN AND INVESTMENT BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2019 · Amount on File |
| Deed Sale | Jun 18, 2019 · Amount on File |
| Prior Sale | Sep 18, 2006 · Amount on File |
| Deed Document Number | 20191762 |
| Deed Book / Page | 2177 / 127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN RI |
| Property Address | 281 OLD RIVER RD, LINCOLN, RI 02865-1172 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002507-249 |
|---|---|
| Date | Oct 3, 2023 |
| Book Page | 2507/249 |
| Instrument | 20230000002620 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN RI |
| Property Address | 281 OLD RIVER RD, LINCOLN, RI 02865-1172 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2287-243 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 2287/243 |
| Instrument | 20200000004641 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN RI |
| Property Address | 281 OLD RIVER RD, LINCOLN, RI 02865-1172 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2235-91 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 2235/91 |
| Instrument | 1285 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN RI |
| Recording Date | Jun 18, 2019 |
| Property Address | 281 OLD RIVER RD, LINCOLN, RI 02865-1172 |
| Document Number | 2177-127 |
| Book / Page | 2177 / 127 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 1762 |
| 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 |
|---|---|
| Address | 281 OLD RIVER RD, LINCOLN, RI 02865-1172 |
| Document Number | 1763 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 1763 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 281 Old River Rd was $8,976.
Source: Lincoln Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Lincoln Town |
| Unified School District | Lincoln School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,976.00 | $663,900 Land $191,600 Building $472,300 | $712,439 |
| 2023 | $7,981.00 | $484,000 Land $142,000 Building $342,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 281 Old River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2007 · 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 risk around 281 Old River 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LINCOLN WATER COMMISSION serves 21,664 people · EPA ID RI1858423 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 32 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 |
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