40 Saratoga Rd, Warwick, RI 02886 Property Records

Warwick City property record for 40 Saratoga Rd, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 894 sqft · built 1991
Lot Size	0.167 acres (7,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Nov 2020)
Tax Bill	$4,666 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36900390000`

Property Details

APN / Parcel Number

Primary APN	`36900390000`
Alternative APNs	`WARW M:369 B:0039 L:0000` `122588`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	894 sqft Living Area
Gross Area	2,070 sqft
1st Floor Area	894 sqft
Basement Area	864 sqft
Unfinished Basement	456 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,280 sqft (0.167 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	122588
Street Address	40 SARATOGA RD
City	WARWICK
State	RI
Zip	02886-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	39
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2025
Census Tract	21903

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 SARATOGA RD, WARWICK, RI 02886-8136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2017	Deed of Trust, Mortgage BANK RHODE ISLAND
Nov 24, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Deed Document Number	202018800
Deed Book / Page	9678 / 138
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	40 SARATOGA RD, WARWICK, RI 02886-8136
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8871-121
Date	Aug 1, 2017
Book Page	8871/121
Instrument	11254

Lender

Name	BANK RHODE ISLAND
Type	Bank

Agreement

Amount	Amount Recorded
Term	600 Months
Due	Aug 1, 2067

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Nov 24, 2020
Property Address	40 SARATOGA RD, WARWICK, RI 02886-8136
Document Number	9678-138
Book / Page	9678 / 138
Instrument Date	Nov 24, 2020
Instrument	18800
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	40 SARATOGA RD, WARWICK, RI 02886-8136

Mortgage

Document Number	18801
Date	Nov 24, 2020
Instrument	18801

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,666.00 (+6.53%)	$367,400 (+19.02%) Land $111,900 Building $255,500
2024			$347,605
2023	$4,380.00 (+0.11%)	$308,700 (+32.15%) Land $93,700 Building $215,000
2022	$4,375.00	$233,600 Land $70,600 Building $163,000

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 55 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	11 (1978–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Mar 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims

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 99.1% of the US · lower than 97.9% 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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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