48 Montgomery St, Warwick, RI 02886 Property Records

Warwick City property record for 48 Montgomery St, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,359 sqft · built 1955
Lot Size	0.247 acres (10,743 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,156 (2025)
Deeds & Mortgages	Jun 2021 Refinance Jan 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25701810000`

Property Details

APN / Parcel Number

Primary APN	`25701810000`
Alternative APNs	`WARW M:257 B:0181 L:0000` `700004346` `104408`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,359 sqft Living Area
Gross Area	3,207 sqft
1st Floor Area	1,359 sqft
Basement Area	1,359 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,743 sqft (0.247 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	104408
Street Address	48 MONTGOMERY ST
City	WARWICK
State	RI
Zip	02886-2857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A10
Legal Block	181
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	3
Census Block	3039
Census Tract	22100

Owner

Source: Warwick City records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18 AUDUBON LN, HOPE, RI 02831-1627
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jan 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Dec 4, 2019	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Jan 5, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance CITIZENS BANK
Mar 12, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 12, 2020
Transfer Doc	9713-291
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	48 MONTGOMERY ST, WARWICK, RI 02886-2857
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009878-175
Date	Jun 23, 2021
Book Page	9878/175
Instrument	12886

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2046

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	48 MONTGOMERY ST, WARWICK, RI 02886-2857
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009713-297
Date	Jan 5, 2021
Book Page	9713/297
Instrument	90

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	48 MONTGOMERY ST, WARWICK, RI 02886-2857
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9410-249
Date	Dec 4, 2019
Book Page	9410/249
Instrument	17191

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Jan 5, 2021
Property Address	48 MONTGOMERY ST, WARWICK, RI 02886-2857
Document Number	009713-291
Book / Page	9713 / 291
Instrument Date	Dec 12, 2020
Instrument	89
Transaction Type	Transfer
Record Updated	Apr 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009713-297
Date	Jan 5, 2021
Book Page	9713/297
Instrument	90

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Mar 12, 2018
Property Address	48 MONTGOMERY ST, WARWICK, RI 02886-2857
Document Number	9012-269
Book / Page	009012 / 000269
Instrument Date	Jan 17, 2018
Instrument	3232
Transaction Type	Transfer
Record Updated	Apr 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 MONTGOMERY ST WARWICK RI 028862857, WARWICK, RI 02886-2857

Tax Assessment & Valuation

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	$5,156.00 (+11.36%)	$406,000 (+24.43%) Land $116,500 Building $289,500
2024			$387,125
2023	$4,630.00 (+3.95%)	$326,300 (+37.22%) Land $101,300 Building $225,000
2022	$4,454.00	$237,800 Land $68,400 Building $169,400

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 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	1 in force

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	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 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	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

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. 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 277 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

May also be available: T-Mobile.

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