448 River Rd, Lincoln, RI 02865 Property Records

Lincoln Town property record for 448 River Rd, Lincoln, RI 02865

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,971 sqft · built 1935
Lot Size	0.718 acres (31,276 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Apr 1997)
Tax Bill	$7,068 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Feb 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-10032-50`

Property Details

APN / Parcel Number

Primary APN	`19-10032-50`
Alternative APN	`LINC M:14 L:099.0 U`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,971 sqft Living Area
Gross Area	4,080 sqft
1st Floor Area	1,242 sqft
Basement Area	1,122 sqft
Unfinished Basement	1,122 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,276 sqft (0.718 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	19-10032-50
Street Address	448 RIVER RD
City	LINCOLN
State	RI
Zip	02865-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS12
Legal Lot Number	99.0
Jurisdiction	LINCOLN RI
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3000
Census Tract	11701

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Blackstone Canal listed 1971 · 1 contributing resources · NRIS 71000030

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

Owner

Source: Lincoln 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	448 RIVER RD, LINCOLN, RI 02865-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PENNYMAC LOAN SERVICES LLC
Feb 16, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 1997 · Amount on Record
Deed Sale	Apr 16, 1997 · Amount on Record
Deed Book / Page	524 / 55
Last Transfer Date	Jul 2, 2019
Transfer Doc	0002182-65
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN RI
Property Address	448 RIVER RD, LINCOLN, RI 02865-1542
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002470-120
Date	Jan 9, 2023
Book Page	2470/120
Instrument	20230000000065

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN RI
Property Address	448 RIVER RD, LINCOLN, RI 02865-1542
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002518-887
Date	Feb 16, 2024
Book Page	2518/887
Instrument	2024003842

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

Tax Assessment & Valuation

Source: Lincoln Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Lincoln Town
Unified School District	Lincoln School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,068.00 (+10.7%)	$522,800 (+35.02%) Land $172,700 Building $350,100	$587,185
2023	$6,385.00	$387,200 Land $121,500 Building $265,700

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 June 22, 2026 · 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
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2006 · 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	Not rated no burnable land within 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	LINCOLN WATER COMMISSION serves 21,664 people · EPA ID RI1858423
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 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

May also be available: T-Mobile.

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