385 3rd Beach Rd, Middletown, RI 02842 Property Records

Middletown Town property record for 385 3rd Beach Rd, Middletown, RI 02842

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,306 sqft · built 1970
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$200 (Mar 2013)
Tax Bill	$9,054 (2025)
Deeds & Mortgages	Jun 2021 Reverse Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`201500416`

Property Details

APN / Parcel Number

Primary APN	`201500416`
Alternative APN	`MIDD M:0126 B:00 L:64`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,306 sqft Living Area
Gross Area	3,364 sqft
1st Floor Area	1,306 sqft
Basement Area	839 sqft
Unfinished Basement	839 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	201500416
Street Address	385 3RD BEACH RD
City	MIDDLETOWN
State	RI
Zip	02842-5738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Lot Number	64
Jurisdiction	MIDDLETOWN RI
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1047
Census Tract	40400

Historic Designation

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

Historic District	Within the Smith-Gardiner-Norman Farm Historic District listed 2008 · 12 contributing resources · NRIS 08000234

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

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	385 3RD BEACH RD, MIDDLETOWN, RI 02842-5738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Feb 13, 2018	Deed of Trust, Mortgage · ARM REVERSE MORTGAGE FUND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2013 · Amount on Record
Deed Sale	Mar 12, 2013 · Amount on Record
Deed Book / Page	1333 / 219
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	385 3RD BEACH RD, MIDDLETOWN, RI 02842-5738
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001722-216
Date	Jun 11, 2021
Book Page	1722/216
Instrument	2151

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	889 Months
Due	Jul 1, 2095

Interest

Rate Type	Adjustable Rate
Rate	1.42%
Type Change Date	Aug 1, 2021
Index	Other

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	385 3RD BEACH RD, MIDDLETOWN, RI 02842-5738
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1549-198
Date	Feb 13, 2018
Book Page	1549/198
Instrument	340

Lender

Name	REVERSE MORTGAGE FUND

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.17%
Margin	2

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,054.00 (+72.52%)	$767,900 (+84.24%) Land $581,800 Building $186,100	$847,125
2023	$5,248.00 (+4.75%)	$416,800 (-) Land $289,600 Building $127,200
2022	$5,010.00	$416,800 Land $289,600 Building $127,200

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

Flood

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 Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (1991–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2023 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	1,000 / 35

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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