45 Congress St, Warwick, RI 02889 Property Records

Warwick City property record for 45 Congress St, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,188 sqft · built 1950
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$241,900 (Sep 2020)
Tax Bill	$4,225 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35401080000`

Property Details

APN / Parcel Number

Primary APN	`35401080000`
Alternative APNs	`WARW M:354 B:0108 L:0000` `121833`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	2,892 sqft
1st Floor Area	864 sqft
Attic	Attic
Attic Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	121833
Street Address	45 CONGRESS ST
City	WARWICK
State	RI
Zip	02889-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	108
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	3
Census Block	3014
Census Tract	21502

Owner

45 Congress St is owned and occupied by an individual who bought it in September 2020.

Source: Warwick City records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	45 CONGRESS ST, WARWICK, RI 02889-5003
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 12, 2026	Deed of Trust, Mortgage SWIFT HOME LOANS INC
Sep 9, 2025	Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOA
Sep 21, 2020	Warranty Deed, Transfer · VA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2020 · Amount on File
Deed Sale	Sep 21, 2020 · Amount on File
Prior Sale	Jul 29, 2011 · Amount on File
Deed Document Number	202014000
Deed Book / Page	9615 / 103
Transfer Doc	7396-5
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Recording Date	Aug 12, 2026
Property Address	45 CONGRESS ST, WARWICK, RI 02889-5003
Document Number	0000009539
Book / Page	10945 / 139
Instrument Date	Jul 22, 2026
Instrument	20269539
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CONGRESS ST, WARWICK, RI 02889-5003

Mortgage

Document Number	0000009539,
Date	Aug 12, 2026
Book Page	10945/139
Instrument	20269539

Lender

Name	SWIFT HOME LOANS INC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	45 CONGRESS ST, WARWICK, RI 02889-5003
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	UNKNOWN, WESTCORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010750-330
Date	Sep 9, 2025
Book Page	10750/330
Instrument	10398

Lender

Name	INDEPENDENCE HOME LOA

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Sep 21, 2020
Property Address	45 CONGRESS ST, WARWICK, RI 02889-5003
Document Number	9615-103
Book / Page	9615 / 103
Instrument Date	Sep 14, 2020
Instrument	14000
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount 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

Mortgage

Document Number	14001
Date	Sep 21, 2020
Instrument	14001

Lender

Name	NEWREZ LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Congress St was $4,225.

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	$4,225.00	$332,700 Land $115,700 Building $217,000
2024			$364,990
2023	$3,973.00 (+6.92%)	$280,000 (+41.13%) Land $100,600 Building $179,400
2022	$3,716.00	$198,400 Land $64,800 Building $133,600

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

Flood

FEMA maps place 45 Congress St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1998.

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	2 in force
Nearby Flood Claims	12 (1998–2010)
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 10 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

The area around 45 Congress St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 / 100
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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