400 3rd Beach Rd, Middletown, RI 02842 Property Records

Middletown Town property record for 400 3rd Beach Rd, Middletown, RI 02842

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,404 sqft · built 1965
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jun 2018)
Tax Bill	$11,677 (2025)
Deeds & Mortgages	Jul 2021 Refinance Feb 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`201800255`

Property Details

APN / Parcel Number

Primary APN	`201800255`
Alternative APN	`MIDD M:0130 B:00 L:3A`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,404 sqft Living Area
Gross Area	7,017 sqft
1st Floor Area	1,906 sqft
Attic	Attic
Attic Area	900 sqft
Basement Area	864 sqft
Unfinished Basement	432 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,689 sqft (0.98 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	201800255
Street Address	400 3RD BEACH RD
City	MIDDLETOWN
State	RI
Zip	02842-5739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Lot Number	3A
Jurisdiction	MIDDLETOWN RI
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1048
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	2 Individual Names on Record
Mailing Address	400 3RD BEACH RD, MIDDLETOWN, RI 02842-5739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANKNEWPORT
Feb 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB
Dec 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	20181122
Deed Book / Page	1559 / 221
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	400 3RD BEACH RD, MIDDLETOWN, RI 02842-5739
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001725-211
Date	Jul 6, 2021
Book Page	1725/211
Instrument	2378

Lender

Name	BANKNEWPORT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	400 3RD BEACH RD, MIDDLETOWN, RI 02842-5739
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1637-252
Date	Feb 26, 2020
Book Page	1637/252
Instrument	549

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN RI
Property Address	400 3RD BEACH RD, MIDDLETOWN, RI 02842-5739
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1690-90
Date	Dec 29, 2020
Book Page	1690/90
Instrument	4143

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$11,677.00 (+69.06%)	$990,400 (+80.53%) Land $477,600 Building $512,800	$1,735,607
2023	$6,907.00 (+4.75%)	$548,600 (-) Land $323,400 Building $225,200
2022	$6,594.00	$548,600 Land $323,400 Building $225,200

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
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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