32 Midnight Ct, Saunderstown, RI 02874 Property Records

North Kingstown Town property record for 32 Midnight Ct, Saunderstown, RI 02874

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,527 sqft · built 2004
Lot Size	0.477 acres (20,791 sqft)
Owner	2 Trust Names on File
Last Sale	$582,000 (Jul 2015)
Tax Bill	$11,514 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NKIN M:030 B:104`

Property Details

APN / Parcel Number

Primary APN	`NKIN M:030 B:104`
Alternative APN	`57824`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,527 sqft Living Area
Gross Area	6,725 sqft
1st Floor Area	1,590 sqft
Attic	Attic
Attic Area	192 sqft
Basement Area	1,572 sqft
Unfinished Basement	1,572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,791 sqft (0.477 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	57824
Street Address	32 MIDNIGHT CT
City	SAUNDERSTOWN
State	RI
Zip	02874-1985
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NRC
Legal Block	104
Jurisdiction	NORTH KINGSTOWN RI
Township / Civil Division	NORTH KINGSTOWN
Census Block Group	2
Census Block	2045
Census Tract	50401

Owner

32 Midnight Ct is owner-occupied and held in a trust since March 2026.

Source: North Kingstown Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	32 MIDNIGHT CT, SAUNDERSTOWN, RI 02874-1985
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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 22, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL CREDIT UNION
Apr 13, 2026	Quit Claim Deed, Transfer Quitclaim
Dec 21, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2015 · Amount on File
Deed Sale	Jul 31, 2015 · Amount on File
Prior Sale	Mar 17, 2010 · Amount on File
Deed Book / Page	2912 / 104
Last Transfer Date	Mar 29, 2026
Transfer Doc	0003756-39
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH KINGSTOWN RI
Recording Date	Jul 22, 2026
Property Address	32 MIDNIGHT CT, SAUNDERSTOWN, RI 02874-1985
Document Number	0000002563
Book / Page	3777 / 276
Instrument Date	Jul 17, 2026
Instrument	20262563
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002563,
Date	Jul 22, 2026
Book Page	3777/276
Instrument	20262563

Lender

Name	COASTAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Rate	6.47%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH KINGSTOWN RI
Recording Date	Apr 13, 2026
Property Address	32 MIDNIGHT CT, SAUNDERSTOWN, RI 02874-1985
Document Number	0003756-39
Book / Page	3756 / 39
Instrument Date	Mar 29, 2026
Instrument	20261123
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 MIDNIGHT CT, SAUNDERSTOWN, RI 02874-1985

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH KINGSTOWN RI
Property Address	32 MIDNIGHT CT, SAUNDERSTOWN, RI 02874-1985
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00003609-1
Date	Dec 21, 2023
Book Page	3609/1
Instrument	4321

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH KINGSTOWN RI
Property Address	32 MIDNIGHT CT, SAUNDERSTOWN, RI 02874-1985
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3099-64
Date	Jan 12, 2018
Book Page	3099/64
Instrument	126

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 32 Midnight Ct was $11,514.

Source: North Kingstown Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	North Kingstown Town
Unified School District	North Kingstown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,514.00	$1,042,900 Land $246,200 Building $796,700	$1,172,116
2023	$11,042.00	$770,000 Land $163,000 Building $607,000

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

Flood

FEMA maps place 32 Midnight Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2002.

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 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (2002–2013)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jun 2013 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Apr 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

Wildfire risk around 32 Midnight Ct is low, with 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 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	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	TOWN OF NORTH KINGSTOWN serves 27,732 people · EPA ID RI1559517
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 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

Cell Coverage

5G (outdoors only) and 4G LTE

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