Bristol Town property record for 32 Terrace Dr, Bristol, RI 02809
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,388 sqft · built 1960 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $305,000 (Jun 2013) |
| Tax Bill | $7,008 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-1971-75 |
| Primary APN | 13-1971-75 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,388 sqft Living Area |
| Gross Area | 4,350 sqft |
| Basement Area | 1,122 sqft |
| Unfinished Basement | 1,122 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 13-1971-75 |
|---|---|
| Street Address | 32 TERRACE DR |
| City | BRISTOL |
| State | RI |
| Zip | 02809-2806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Lot Number | 45 |
| Jurisdiction | BRISTOL RI |
| Township / Civil Division | BRISTOL |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 30902 |
32 Terrace Dr is owner-occupied and held in a trust since August 2023.
Source: Bristol Town records, as of September 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 32 TERRACE DR, BRISTOL, RI 02809-2806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Line of Credit NAVIGANT CREDIT UNION |
| Sep 6, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Nov 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BAYCOAST BANK |
| Aug 14, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BAYCOAST MORTGAGE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2013 · Amount on File |
| Deed Sale | Jun 28, 2013 · Amount on File |
| Deed Book / Page | 1716 / 116 |
| Last Transfer Date | Aug 30, 2023 |
| Transfer Doc | 002222-258 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Recording Date | Jul 29, 2026 |
| Property Address | 32 TERRACE DR, BRISTOL, RI 02809-2806 |
| Document Number | 0000001922 |
| Book / Page | 2331 / 137 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 20261922 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001922, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 2331/137 |
| Instrument | 20261922 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BRISTOL RI |
| Recording Date | Sep 6, 2023 |
| Property Address | 32 TERRACE DR, BRISTOL, RI 02809-2806 |
| Document Number | 002222-258 |
| Book / Page | 2222 / 258 |
| Instrument Date | Aug 30, 2023 |
| Instrument | 2023-5863 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 TERRACE DR, BRISTOL, RI 02809-2806 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 32 TERRACE DR, BRISTOL, RI 02809-2806 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002193-173 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 2193/173 |
| Instrument | 3266 |
| Name | BAYCOAST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 32 TERRACE DR, BRISTOL, RI 02809-2806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1994-129 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 1994/129 |
| Name | BAYCOAST MORTGAGE COMPANY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2026 property tax bill for 32 Terrace Dr was $7,008, up 13% from the year before.
Source: Bristol Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Bristol Town |
| Unified School District | Bristol-Warren Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $7,008.00 (+13.03%) | |
| 2025 | $6,200.00 | $448,600 Land $148,300 Building $300,300 |
| 2023 | $5,993.00 (+2.76%) | $448,600 (-) Land $148,300 Building $300,300 |
| 2022 | $5,832.00 | $448,600 Land $148,300 Building $300,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 32 Terrace Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.
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 | 1 in force |
| Nearby Flood Claims | 2 (1982) |
| Most Recent Claim | Jul 1982 · 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 risk around 32 Terrace Dr 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 94% of the US · lower than 80% 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 | BRISTOL COUNTY WATER AUTHORITY serves 49,000 people · EPA ID RI1647515 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| i3 Broadband Cable | 2,000 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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