North Kingstown Town property record for 45 Spring St, Saunderstown, RI 02874
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,079 sqft · built 1970 |
| Lot Size | 0.511 acres (22,275 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,445,000 (Mar 2025) |
| Tax Bill | $12,222 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Mar 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | NKIN M:041 B:125 |
| Primary APN | NKIN M:041 B:125 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,079 sqft Living Area |
| Gross Area | 4,388 sqft |
| 1st Floor Area | 2,099 sqft |
| Basement Area | 608 sqft |
| Unfinished Basement | 608 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,275 sqft (0.511 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 82186 |
|---|---|
| Street Address | 45 SPRING ST |
| City | SAUNDERSTOWN |
| State | RI |
| Zip | 02874-3229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Block | 125 |
| Jurisdiction | NORTH KINGSTOWN RI |
| Township / Civil Division | NORTH KINGSTOWN |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 50402 |
Source: North Kingstown Town records · APN NKIN M:041 B:125
Assessment roll updated June 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 56 HILLSIDE RD, CUMBERLAND, RI 02864-3206 |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 25, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE BANK |
| Sep 08, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 14, 2025 · Amount on Record |
| Deed Sale | Mar 14, 2025 · Amount on Record |
| Prior Sale | Sep 08, 2021 · Amount on Record |
| Deed Book / Page | 3681 / 214 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 45 SPRING ST, SAUNDERSTOWN, RI 02874-3229 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003707-244 |
|---|---|
| Date | Jul 25, 2025 |
| Book Page | 3707/244 |
| Instrument | 2731 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 45 SPRING ST, SAUNDERSTOWN, RI 02874-3229 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 003494-151 |
|---|---|
| Date | Mar 23, 2022 |
| Book Page | 3494/151 |
| Instrument | 1275 |
| Name | HARBORONE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Recording Date | Sep 08, 2021 |
| Property Address | 45 SPRING ST, SAUNDERSTOWN, RI 02874-3229 |
| Document Number | 003444-176 |
| Book / Page | 3444 / 176 |
| Instrument Date | Sep 08, 2021 |
| Instrument | 2021-5784 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 SPRING RD, N KINGSTOWN, RI 02852-1649 |
| Investor | Possibly a Property Investor |
| Document Number | 0020215785 |
|---|---|
| Date | Sep 08, 2021 |
| Instrument | 2021-5785 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: North Kingstown Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | North Kingstown Town |
| Unified School District | North Kingstown School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $12,222.00 (+2.71%) | $1,107,100 (+33.42%) Land $719,700 Building $387,400 |
| 2023 | $11,899.00 | $829,800 Land $503,000 Building $326,800 |
Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| 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 |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.9% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 30 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF NORTH KINGSTOWN serves 27,732 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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