32 Tower St, Bristol, RI 02809 Property Records

Bristol Town property record for 32 Tower St, Bristol, RI 02809

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,496 sqft · built 1993
Lot Size	0.459 acres (19,998 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jan 1996)
Tax Bill	$6,045 (2025)
Deeds & Mortgages	Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`1-2945-20`

Property Details

APN / Parcel Number

Primary APN	`1-2945-20`
Alternative APNs	`BRIS M:157 L:13` `8547`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,496 sqft Living Area
Gross Area	4,248 sqft
Basement Area	1,152 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,998 sqft (0.459 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1-2945-20
Street Address	32 TOWER ST
City	BRISTOL
State	RI
Zip	02809-4055
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Lot Number	13
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	3
Census Block	3022
Census Tract	30800

Owner

Source: Bristol Town records · APN 1-2945-20

Assessment roll updated June 22, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	32 TOWER ST, BRISTOL, RI 02809-4055
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 29, 1996 · Amount on Record
Deed Sale	Jan 29, 1996 · Amount on Record
Deed Book / Page	564 / 332
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	32 TOWER ST, BRISTOL, RI 02809-4055
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2093-152
Date	Feb 24, 2021
Book Page	2093/152
Instrument	9670

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 01, 2046

Tax Assessment & Valuation

Source: Bristol Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Bristol Town
Unified School District	Bristol-Warren Regional School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$6,045.00 (+3.44%)	$437,400 (-) Land $181,000 Building $256,400
2023	$5,844.00 (+2.78%)	$437,400 (-) Land $181,000 Building $256,400
2022	$5,686.00	$437,400 Land $181,000 Building $256,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44001C, as of December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440010308003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	5 in force
Nearby Flood Claims	9 (1983–2010)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 6 claims Hurricane Bob, Aug 1991 · 2 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
WH i3B Bidco LLC/WH i3B Topco Cable	2,000 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 184 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system RI1647515, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	BRISTOL COUNTY WATER AUTHORITY serves 49,000 people
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.