North Kingstown Town property record for 440 Gilbert Stuart Rd, Saunderstown, RI 02874
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,954 sqft · built 2019 |
| Lot Size | 8.9 acres (387,684 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $9,062 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | NKIN M:039 B:022 |
| Primary APN | NKIN M:039 B:022 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,954 sqft Living Area |
| Gross Area | 4,622 sqft |
| Basement Area | 1,954 sqft |
| Unfinished Basement | 1,954 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 387,684 sqft (8.9 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 14984 |
|---|---|
| Street Address | 440 GILBERT STUART RD |
| City | SAUNDERSTOWN |
| State | RI |
| Zip | 02874-3004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 22 |
| Jurisdiction | NORTH KINGSTOWN RI |
| Township / Civil Division | NORTH KINGSTOWN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 50402 |
Source: North Kingstown 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 | Individual Name on Record |
|---|---|
| Mailing Address | 440 GILBERT STUART RD, SAUNDERSTOWN, RI 02874-3004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2021 | Deed of Trust, Mortgage · Balloon Mortgage WESTERLY COMMUNITY CU |
| Aug 14, 2019 | Deed of Trust, Mortgage · Balloon Mortgage WESTERLY COMMUNITY CU |
| Apr 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU |
| Nov 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 440 GILBERT STUART RD, SAUNDERSTOWN, RI 02874-3004 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3396-110 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 3396/110 |
| Instrument | 2365 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 440 GILBERT STUART RD, SAUNDERSTOWN, RI 02874-3004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3213-34 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 3213/34 |
| Instrument | 3404 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 440 GILBERT STUART RD, SAUNDERSTOWN, RI 02874-3004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3275-217 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 3275/217 |
| Instrument | 1799 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 440 GILBERT STUART RD, SAUNDERSTOWN, RI 02874-3004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3345-137 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 3345/137 |
| Instrument | 6521 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2035 |
Source: North Kingstown Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | North Kingstown Town |
| Unified School District | North Kingstown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,062.00 (-5.55%) | $820,800 (+22.67%) Land $293,400 Building $527,400 | $962,481 |
| 2023 | $9,595.00 | $669,100 Land $249,400 Building $419,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 25 (1978–2024) |
| Claims Outside the SFHA | 7 of 25 |
| Most Recent Claim | May 2024 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 83% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF NORTH KINGSTOWN serves 27,732 people · EPA ID RI1559517 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 7 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 |
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