Warwick City property record for 396 Elm St, Warwick, RI 02888
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,125 sqft · built 1955 |
| Lot Size | 0.153 acres (6,660 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (May 2026) |
| Tax Bill | $3,967 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29705070000 |
| Primary APN | 29705070000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,125 sqft Living Area |
| Gross Area | 2,578 sqft |
| 1st Floor Area | 750 sqft |
| Attic | Attic |
| Attic Area | 750 sqft |
| Basement Area | 750 sqft |
| Unfinished Basement | 750 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,660 sqft (0.153 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 123706440 |
|---|---|
| Street Address | 396 ELM ST |
| City | WARWICK |
| State | RI |
| Zip | 02888-3243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A7 |
| Legal Block | 507 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 21100 |
396 Elm St is owned and occupied by an individual who bought it in May 2026.
Source: Warwick City records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 396 ELM ST, WARWICK, RI 02888-3243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage WASHINGTON TRUST COMPANY |
| May 1, 2026 | Warranty Deed, Transfer · ARM WASHINGTON TRUST COMPANY |
| Oct 10, 2025 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on File |
| Deed Sale | May 1, 2026 · Amount on File |
| Prior Sale | Oct 10, 2025 · Amount on File |
| Deed Book / Page | 10883 / 344 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | May 1, 2026 |
| Property Address | 396 ELM ST, WARWICK, RI 02888-3243 |
| Document Number | 0010884-18 |
| Book / Page | 10884 / 18 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 20264760 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 396 ELM ST, WARWICK, RI 02888-3243 |
| Document Number | 0000004760, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 10884/18 |
| Instrument | 20264760 |
| Name | WASHINGTON TRUST COMPANY |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | May 1, 2026 |
| Property Address | 396 ELM ST, WARWICK, RI 02888-3243 |
| Document Number | 010883-344 |
| Book / Page | 10883 / 344 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 20264758 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 396 ELM ST, WARWICK, RI 02888-3243 |
| Date | May 1, 2026 |
|---|
| Name | WASHINGTON TRUST COMPANY |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.74% |
| Initial Type | Adjustable Rate |
| Type Change Date | May 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Oct 10, 2025 |
| Property Address | 396 ELM ST, WARWICK, RI 02888-3243 |
| Document Number | 0010772-79 |
| Book / Page | 10772 / 79 |
| Instrument Date | Oct 8, 2025 |
| Instrument | 11850 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 396 ELM ST, WARWICK, RI 02888-3243 |
The 2025 property tax bill for 396 Elm St was $3,967.
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 | $3,967.00 | $312,400 Land $101,100 Building $211,300 | |
| 2024 | $316,635 | ||
| 2023 | $3,363.00 (+6.42%) | $237,000 (+40.49%) Land $87,900 Building $149,100 | |
| 2022 | $3,160.00 | $168,700 Land $56,900 Building $111,800 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 396 Elm St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 8 (1982–2023) |
| Claims Outside the SFHA | 7 of 8 |
| Most Recent Claim | Dec 2023 · Severe Storm And Flooding |
| 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.
The area around 396 Elm 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 Risk | Not rated no burnable land within 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 584 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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