38 Whipple Rd, Lincoln, RI 02865 Property Records

Lincoln Town property record for 38 Whipple Rd, Lincoln, RI 02865

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,120 sqft · built 2000
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,012 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-34359-00`

Property Details

APN / Parcel Number

Primary APN	`19-34359-00`
Alternative APN	`LINC M:44 L:217.0 U`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
Gross Area	3,778 sqft
1st Floor Area	976 sqft
Basement Area	976 sqft
Unfinished Basement	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19-34359-00
Street Address	38 WHIPPLE RD
City	LINCOLN
State	RI
Zip	02865-4707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS20
Legal Lot Number	217.0
Jurisdiction	LINCOLN RI
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2010
Census Tract	11600

Owner

38 Whipple Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 WHIPPLE RD, LINCOLN, RI 02865-4707
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 20, 2020	Deed of Trust, Mortgage · Line of Credit NAVIGANT CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN RI
Property Address	38 WHIPPLE RD, LINCOLN, RI 02865-4707
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2386-188
Date	Nov 12, 2021
Book Page	2386/188
Instrument	20210000005442

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	253 Months
Due	Dec 1, 2042

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN RI
Property Address	38 WHIPPLE RD, LINCOLN, RI 02865-4707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2280-172
Date	Oct 20, 2020
Book Page	2280/172
Instrument	20200000004202

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 38 Whipple Rd was $9,012.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,012.00	$666,600 Land $290,300 Building $376,300	$742,586
2023	$8,540.00	$517,900 Land $227,900 Building $290,000

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

Flood

FEMA maps place 38 Whipple Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1979 · tidal / storm surge

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 38 Whipple Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LINCOLN WATER COMMISSION serves 21,664 people · EPA ID RI1858423
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 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	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 93 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

Cell Coverage

5G (outdoors only) and 4G LTE

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