4 Cross St, Warwick, RI 02888 Property Records

Warwick City property record for 4 Cross St, Warwick, RI 02888

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,618 sqft · built 1953
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,662 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Jan 2024 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29503660000`

Property Details

APN / Parcel Number

Primary APN	`29503660000`
Alternative APNs	`WARW M:295 B:0366 L:0000` `116313200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	3,385 sqft
1st Floor Area	1,210 sqft
Attic	Attic
Attic Area	816 sqft
Basement Area	408 sqft
Unfinished Basement	408 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	116313200
Street Address	4 CROSS ST
City	WARWICK
State	RI
Zip	02888-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	366
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2007
Census Tract	21001

Owner

4 Cross St is owned and occupied by two individuals.

Source: Warwick City records, as of June 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 CROSS ST, WARWICK, RI 02888-1226
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
Jun 5, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Feb 27, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Feb 3, 2021	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
May 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Dec 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	4 CROSS ST, WARWICK, RI 02888-1226
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010694-104
Date	Jun 5, 2025
Book Page	10694/104
Instrument	6198

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2050

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	4 CROSS ST, WARWICK, RI 02888-1226
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010433-330
Date	Jan 5, 2024
Book Page	10433/330
Instrument	145

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Feb 1, 2048

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	4 CROSS ST, WARWICK, RI 02888-1226
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010287-207
Date	Feb 27, 2023
Book Page	10287/207
Instrument	1859

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	4 CROSS ST, WARWICK, RI 02888-1226
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9740-65
Date	Feb 3, 2021
Book Page	9740/65
Instrument	1932

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	4 CROSS ST, WARWICK, RI 02888-1226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9265-187
Date	May 13, 2019
Book Page	9265/187
Instrument	6001

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	4 CROSS ST, WARWICK, RI 02888-1226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9419-176
Date	Dec 17, 2019
Book Page	9419/176
Instrument	17851

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4 Cross St was $4,662.

Source: Warwick City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Warwick City
Unified School District	Warwick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,662.00	$367,100 Land $101,600 Building $265,500
2024			$421,230
2023	$4,341.00 (+4.78%)	$305,900 (+38.29%) Land $88,300 Building $217,600
2022	$4,143.00	$221,200 Land $57,400 Building $163,800

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

Flood

FEMA maps place 4 Cross St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.

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
Nearby Flood Claims	2 (1983–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 4 Cross St 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 98% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 412 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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