West Warwick Town property record for 45 Harding St, West Warwick, RI 02893
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,668 sqft · built 1928 |
| Lot Size | 0.184 acres (8,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Dec 2012) |
| Tax Bill | $4,676 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-0316-33 |
| Primary APN | 22-0316-33 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| Gross Area | 3,604 sqft |
| Basement Area | 648 sqft |
| Unfinished Basement | 648 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,002 sqft (0.184 acres) |
| Garage Type | Detached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 22-0316-33 |
|---|---|
| Street Address | 45 HARDING ST |
| City | WEST WARWICK |
| State | RI |
| Zip | 02893-2412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-8 |
| Jurisdiction | WEST WARWICK RI |
| Township / Civil Division | WEST WARWICK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20400 |
45 Harding St is owned and occupied by two individuals who bought it in December 2012.
Source: West Warwick Town records, as of June 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 HARDING ST, WEST WARWICK, RI 02893-2412 |
| 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.
| Date | Document |
|---|---|
| Apr 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Feb 15, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jan 25, 2019 | Deed of Trust, Mortgage QUAD CTY BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2012 · Amount on File |
| Deed Sale | Dec 31, 2012 · Amount on File |
| Deed Book / Page | 2214 / 183 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 45 HARDING ST, WEST WARWICK, RI 02893-2412 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24862644 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2486-2644 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | May 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 45 HARDING ST, WEST WARWICK, RI 02893-2412 |
| Document Number | 0002485879 |
| Instrument Date | Feb 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 HARDING ST WEST WARWICK RI 028932412, WEST WARWICK, RI 02893-2412 |
| Document Number | 0002485879 |
|---|---|
| Date | Mar 3, 2020 |
| Instrument | 2485879 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Mar 2, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 45 HARDING ST, WEST WARWICK, RI 02893-2412 |
| Document Number | 0000000369 |
| Instrument Date | Jan 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 HARDING ST WEST WARWICK RI 028932412, WEST WARWICK, RI 02893-2412 |
| Document Number | 0000000369 |
|---|---|
| Date | Jan 25, 2019 |
| Instrument | 369 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 24, 2049 |
The 2025 property tax bill for 45 Harding St was $4,676.
Source: West Warwick Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | West Warwick Town |
| Unified School District | West Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,676.00 | $327,200 Land $86,500 Building $240,700 | $484,120 |
| 2023 | $4,774.00 | $260,600 Land $70,600 Building $190,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Harding St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 45 Harding 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KENT COUNTY WATER AUTHORITY serves 94,107 people · EPA ID RI1559511 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2023 |
| Lead | 2 ppb (2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures