4 Spring Garden St, Warwick, RI 02888 Property Records

Warwick City property record for 4 Spring Garden St, Warwick, RI 02888 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,333 sqft · built 1890
Lot Size	0.127 acres (5,540 sqft)
Owner	2 Individual Names on File
Last Sale	$885,000 (Dec 2025)
Tax Bill	$10,682 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`29203140000`

Property Details

APN / Parcel Number

Primary APN	`29203140000`
Alternative APNs	`WARW M:292 B:0314 L:0000` `137954`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,333 sqft Living Area
Gross Area	2,426 sqft
1st Floor Area	689 sqft
Basement Area	641 sqft
Unfinished Basement	641 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,540 sqft (0.127 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	137954
Street Address	4 SPRING GARDEN ST
City	WARWICK
State	RI
Zip	02888-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	314
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	1
Census Block	1015
Census Tract	21002

Owner

Source: Warwick City records · APN 29203140000

Assessment roll updated June 22, 2026 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4 SPRING GARDEN ST, WARWICK, RI 02888-1644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 18, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Apr 04, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Apr 04, 2022 · Amount on Record
Deed Document Number	202514687
Deed Book / Page	10811 / 91
Transfer Doc	8505-264
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	4 SPRING GARDEN ST, WARWICK, RI 02888-1644
Transaction Type	Mortgage
Record Updated	Feb 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010661-136
Date	Apr 10, 2025
Book Page	10661/136
Instrument	3587

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 01, 2050

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Dec 18, 2025
Property Address	4 SPRING GARDEN ST, WARWICK, RI 02888-1644
Document Number	0010811-91
Book / Page	10811 / 91
Instrument Date	Dec 18, 2025
Instrument	14687
Transaction Type	Transfer
Record Updated	Feb 05, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000014690
Date	Dec 18, 2025
Instrument	14690

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 01, 2055

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Apr 04, 2022
Property Address	4 SPRING GARDEN ST, WARWICK, RI 02888-1644
Document Number	010111-343
Book / Page	10111 / 343
Instrument Date	Apr 04, 2022
Instrument	4974
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRING GARDEN ST, WARWICK, RI 02888-1644
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004975
Date	Apr 04, 2022
Instrument	4975

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Warwick City records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,682.00 (+6.53%)	$841,100 (+19.03%) Land $547,500 Building $293,600
2024			$856,710
2023	$10,027.00 (+22.93%)	$706,600 (+62.25%) Land $475,900 Building $230,700
2022	$8,157.00	$435,500 Land $327,400 Building $108,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44003C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440030210021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Dec 2023, rainfall accumulation, Severe Storm And Flooding
Claims By Storm	Severe Storms And Flooding, Mar 2010 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Pawtuxet Village Historic District listed 1973 · 417 contributing resources · NRIS 73000050

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 513 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 35
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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