44 McKay Ct, Warwick, RI 02889 Property Records

Warwick City property record for 44 McKay Ct, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,132 sqft · built 2006
Lot Size	0.186 acres (8,116 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jul 2023)
Tax Bill	$5,542 (2025)
Deeds & Mortgages	Apr 2021 Refinance Nov 2022 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`33904960000`

Property Details

APN / Parcel Number

Primary APN	`33904960000`
Alternative APNs	`WARW M:339 B:0496 L:0000` `119990` `144257`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
Gross Area	2,332 sqft
1st Floor Area	1,132 sqft
Basement Area	1,056 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,116 sqft (0.186 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	144257
Street Address	44 MCKAY CT
City	WARWICK
State	RI
Zip	02889-3293
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	496
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	1
Census Block	1000
Census Tract	21800

Owner

44 McKay Ct is owned and occupied by two individuals who acquired it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 MCKAY CT, WARWICK, RI 02889-3293
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Nov 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Jan 23, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Oct 22, 2025	Quit Claim Deed, Transfer EMBRACE HOME LOANS INC
Jul 19, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage SEMPER HOME LOANS INC
Apr 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2023 · Amount on File
Deed Sale	Jul 19, 2023 · Amount on File
Prior Sale	Jun 1, 2012 · Amount on File
Deed Document Number	20237393
Deed Book / Page	10355 / 69
Last Transfer Date	Oct 17, 2025
Transfer Doc	0010777-67
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	44 MCKAY CT, WARWICK, RI 02889-3293
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	009800-308
Date	Apr 5, 2021
Book Page	9800/308
Instrument	6963

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	44 MCKAY CT, WARWICK, RI 02889-3293
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010246-231
Date	Nov 21, 2022
Book Page	10246/231
Instrument	16213

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	44 MCKAY CT, WARWICK, RI 02889-3293
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010827-201
Date	Jan 23, 2026
Book Page	10827/201
Instrument	760

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Oct 22, 2025
Property Address	44 MCKAY CT, WARWICK, RI 02889-3293
Document Number	0010777-67
Book / Page	10777 / 67
Instrument Date	Oct 17, 2025
Instrument	12276
Transaction Type	Transfer
Record Updated	Apr 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 MCKAY CT, WARWICK, RI 02889-3293

Mortgage

Document Number	0000012277
Date	Oct 22, 2025
Instrument	12277

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Jul 19, 2023
Property Address	44 MCKAY CT, WARWICK, RI 02889-3293
Document Number	0010355-69
Book / Page	10355 / 69
Instrument Date	Jul 19, 2023
Instrument	7393
Transaction Type	Transfer
Record Updated	Apr 27, 2026

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	837 HALIFAX DR, WARWICK, RI 02886-1707

Mortgage

Document Number	0000007394
Date	Jul 19, 2023
Instrument	7394

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Apr 30, 2020
Property Address	44 MCKAY CT, WARWICK, RI 02889-3293
Document Number	9498-264
Book / Page	009498 / 000264
Instrument Date	Apr 17, 2020
Instrument	5331
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 MCKAY CT WARWICK RI 028893293, WARWICK, RI 02889-3293

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	44 MCKAY CT, WARWICK, RI 02889-3293
Document Number	9196-321
Instrument Date	Dec 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 MCKAY CT WARWICK RI 028893293, WARWICK, RI 02889-3293

Mortgage

Document Number	9196-321
Date	Jan 7, 2019
Book Page	009196/000321
Instrument	220

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 6, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 44 McKay Ct was $5,542.

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	$5,542.00	$436,400 Land $100,500 Building $335,900
2024			$477,470
2023	$5,685.00 (+3.23%)	$400,600 (+36.26%) Land $87,400 Building $313,200
2022	$5,507.00	$294,000 Land $55,600 Building $238,400

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

Flood

FEMA maps place 44 McKay Ct in Zone X, an area of minimal flood risk, though there have been 26 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	9 in force
Nearby Flood Claims	26 (1982–2010)
Claims Outside the SFHA	11 of 26
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 22 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

Wildfire risk around 44 McKay Ct 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 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.

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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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