3 Roy Ave, Middletown, RI 02842 Property Records

Middletown Town property record for 3 Roy Ave, Middletown, RI 02842

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,200 sqft · built 1956
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Dec 2019)
Tax Bill	$5,796 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`201900487`

Property Details

APN / Parcel Number

Primary APN	`201900487`
Alternative APN	`MIDD M:0105 B:00 L:51`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,824 sqft
1st Floor Area	1,200 sqft
Basement Area	888 sqft
Unfinished Basement	456 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	201900487
Street Address	3 ROY AVE
City	MIDDLETOWN
State	RI
Zip	02842-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Lot Number	51
Jurisdiction	MIDDLETOWN RI
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2017
Census Tract	40303

Owner

3 Roy Ave is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 ROY AVE, MIDDLETOWN, RI 02842-4544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 20, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jan 2, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Prior Sale	Jan 2, 2019 · Amount on File
Deed Document Number	20193376
Deed Book / Page	1629 / 103
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN RI
Recording Date	Dec 20, 2019
Property Address	3 ROY AVE, MIDDLETOWN, RI 02842-4544
Document Number	1629-103
Book / Page	1629 / 103
Instrument Date	Dec 6, 2019
Instrument	3376
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount 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	3377
Date	Dec 20, 2019
Instrument	3377

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN RI
Recording Date	Jan 2, 2019
Property Address	3 ROY AVE, MIDDLETOWN, RI 02842-4544
Document Number	1584-5
Book / Page	001584 / 000005
Instrument Date	Dec 27, 2018
Instrument	3
Transaction Type	Transfer
Record Updated	Jan 22, 2019

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$324.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ROY AVE MIDDLETOWN RI 028424544, MIDDLETOWN, RI 02842-4544

Mortgage

Document Number	1584-8
Date	Jan 2, 2019
Book Page	001584/000008
Instrument	4

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3 Roy Ave was $5,796.

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	$5,796.00	$491,600 Land $303,300 Building $188,300	$599,969
2023	$4,092.00 (+4.74%)	$325,000 (-) Land $195,700 Building $129,300
2022	$3,907.00	$325,000 Land $195,700 Building $129,300

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

Flood

FEMA maps place 3 Roy Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1985.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1985–2021)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2021 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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

The area around 3 Roy Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 326 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

May also be available: AT&T.

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