Warwick City property record for 38 Cindy James Cir, Warwick, RI 02889
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 878 sqft · built 1978 |
| Lot Size | 0.194 acres (8,451 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Oct 2011) |
| Tax Bill | $4,829 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35705430000 |
| Primary APN | 35705430000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 878 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 878 sqft |
| Basement Area | 850 sqft |
| Unfinished Basement | 175 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,451 sqft (0.194 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 100074442 |
|---|---|
| Street Address | 38 CINDY JAMES CIR |
| City | WARWICK |
| State | RI |
| Zip | 02889-5329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A7 |
| Legal Block | 543 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 21502 |
38 Cindy James Cir is owned and occupied by an individual who bought it in October 2011.
Source: Warwick City records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 CINDY JAMES CIR, WARWICK, RI 02889-5329 |
| 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 |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 17, 2019 | Deed of Trust, Mortgage · Conventional with PMI NFM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2011 · Amount on File |
| Deed Sale | Oct 3, 2011 · Amount on File |
| Prior Sale | Mar 31, 2004 · Amount on File |
| Deed Book / Page | 7559 / 118 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Sep 18, 2026 |
| Property Address | 38 CINDY JAMES CIR, WARWICK, RI 02889-5329 |
| Document Number | 0000011166 |
| Book / Page | 10967 / 177 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202611166 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38 CINDY JAMES CIR, WARWICK, RI 02889-5329 |
| Document Number | 0000011166, |
|---|---|
| Date | Sep 18, 2026 |
| Book Page | 10967/177 |
| Instrument | 202611166 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 38 CINDY JAMES CIR, WARWICK, RI 02889-5329 |
| Document Number | 9252-127 |
| Instrument Date | Apr 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 38 CINDY JAMES CIR WARWICK RI 028895329, WARWICK, RI 02889-5329 |
| Document Number | 9252-127 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 009252/000127 |
| Instrument | 4990 |
| Name | NFM |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 21, 2049 |
The 2025 property tax bill for 38 Cindy James Cir was $4,829.
Source: Warwick City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Warwick City |
| Unified School District | Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,829.00 | $380,200 Land $130,500 Building $249,700 | |
| 2024 | $335,730 | ||
| 2023 | $4,572.00 (+5.91%) | $322,200 (+39.78%) Land $113,500 Building $208,700 | |
| 2022 | $4,317.00 | $230,500 Land $72,000 Building $158,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Cindy James Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 42 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 58 (1978–2024) |
| Claims Outside the SFHA | 5 of 58 |
| Most Recent Claim | Jan 2024 |
| Claims by Event |
|
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 38 Cindy James Cir 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 97% of the US · lower than 91% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | WARWICK-CITY OF serves 73,289 people · EPA ID RI1615627 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 419 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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