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38 Thames St, Bristol, RI 02809 Property Records

Bristol Town property record for 38 Thames St, Bristol, RI 02809

Property Summary

Property TypeTriplex
Details6 bd · 4 ba · 2,371 sqft · built 1880
Lot Size0.069 acres (3,014 sqft)
OwnerIndividual Name on File
Last Sale$330,000 (Feb 2005)
Tax Bill$9,361 (2026)
Deeds & MortgagesAug 2026 Mortgage
Jan 2017 Mortgage
Flood ZoneZone X (moderate risk)
APN19-0165-22

Property Details

APN / Parcel Number

Primary APN19-0165-22
Alternative APNs
  • BRIS M:10 L:58
  • 577

Interior

Bedrooms6 Beds
Full Baths4 Baths
Total Rooms14 Rooms
Units3 Units
Stories2 Stories
Building Area2,371 sqft Living Area
Gross Area4,024 sqft
1st Floor Area988 sqft
Basement Area988 sqft
Unfinished Basement988 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleTriplex
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area3,014 sqft (0.069 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number19-0165-22
Street Address38 THAMES ST
CityBRISTOL
StateRI
Zip02809-1863
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Local Zoning CodeW
Legal Lot Number58
JurisdictionBRISTOL RI
Township / Civil DivisionBRISTOL
Census Block Group4
Census Block4018
Census Tract30700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Bristol Waterfront Historic District
listed 1975 · 449 contributing resources · NRIS 75000053

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

38 Thames St, a triplex, is owned by an individual who bought it in February 2005.

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

Owner of RecordIndividual Name on File
Mailing Address509 CLARKS ROW, BRISTOL, RI 02809-1581
Owner TypeIndividual

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

DateDocument
Aug 11, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 25, 2017Deed of Trust, Mortgage · Conventional Mortgage
HOMEWARD RESID'L

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 25, 2005 · Amount on File
Deed SaleFeb 25, 2005 · Amount on File
Prior SaleApr 27, 1998 · Amount on File
Deed Book / Page1186 / 36
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBRISTOL RI
Recording DateAug 11, 2026
Property Address38 THAMES ST, BRISTOL, RI 02809-1863
Document Number0000002052
Book / Page2333 / 147
Instrument DateJul 8, 2026
Instrument20262052
Transaction TypeMortgage
Record UpdatedSep 9, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address38 THAMES ST, BRISTOL, RI 02809-1863

Mortgage

Document Number0000002052,
DateAug 11, 2026
Book Page2333/147
Instrument20262052
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term481 Months
DueSep 1, 2066
Interest
Max Rate-1%

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBRISTOL RI
Property Address38 THAMES ST, BRISTOL, RI 02809-1863
Document Number1882-17
Book / Page001882 / 000017
Instrument DateJan 25, 2017
Transaction TypeMortgage
Record UpdatedMar 28, 2017

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1882-17
DateFeb 9, 2017
Book Page001882/000017
Lender
NameHOMEWARD RESID'L
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueFeb 8, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 38 Thames St was $9,361, up 48.7% from the year before.

Source: Bristol Town assessment roll, as of June 22, 2026

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionBristol Town
Unified School DistrictBristol-Warren Regional School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$9,361.00 (+48.68%)
2025$6,296.00$455,600 Land $169,000 Building $286,600
2023$6,087.00 (+2.77%)$455,600 (-) Land $169,000 Building $286,600
2022$5,923.00$455,600 Land $169,000 Building $286,600

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

Flood

FEMA maps place 38 Thames St in Zone X, an area of moderate flood risk, within 100 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 40 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies74 units insured
incl. 34 condo units
Nearby Flood Claims25 (1978–2021)
Claims Outside the SFHA3 of 25
Most Recent ClaimSep 2021 · rainfall accumulation
Claims by Event
  • Severe Storms And Flooding, Apr 2010 · 9 claims
  • Hurricane Bob, Aug 1991 · 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

The area around 38 Thames St 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 RiskNot 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 SystemBRISTOL COUNTY WATER AUTHORITY
serves 49,000 people · EPA ID RI1647515
Water SourcePurchased surface water from several systems
Last State InspectionJun 2024
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 376 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
Fixed Wireless		100 / 20

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