Lincoln Town property record for 481 River Rd, Lincoln, RI 02865
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,038 sqft · built 1957 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Nov 2018) |
| Tax Bill | $5,038 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Nov 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7-32462-18 |
| Primary APN | 7-32462-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,038 sqft Living Area |
| Gross Area | 2,624 sqft |
| 1st Floor Area | 1,038 sqft |
| Basement Area | 1,038 sqft |
| Unfinished Basement | 1,038 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 7-32462-18 |
|---|---|
| Street Address | 481 RIVER RD |
| City | LINCOLN |
| State | RI |
| Zip | 02865-1425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS12 |
| Legal Lot Number | 31.0 |
| Jurisdiction | LINCOLN RI |
| Township / Civil Division | LINCOLN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 11701 |
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.
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 | 481 RIVER RD, LINCOLN, RI 02865-1425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 7, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CRANSTON MUNICIPAL CREDIT UNION |
| Dec 20, 2019 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Nov 29, 2018 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 29, 2018 · Amount on Record |
| Deed Sale | Nov 29, 2018 · Amount on Record |
| Prior Sale | Sep 23, 2016 · Amount on Record |
| Deed Book / Page | 2146 / 295 |
| Transfer Doc | 2020-216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN RI |
| Property Address | 481 RIVER RD, LINCOLN, RI 02865-1425 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002410-201 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 2410/201 |
| Instrument | 20220000000758 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN RI |
| Property Address | 481 RIVER RD, LINCOLN, RI 02865-1425 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002460-234 |
|---|---|
| Date | Nov 7, 2022 |
| Book Page | 2460/234 |
| Instrument | 20220000003905 |
| Name | CRANSTON MUNICIPAL CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN RI |
| Property Address | 481 RIVER RD, LINCOLN, RI 02865-1425 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002213-217 |
|---|---|
| Date | Dec 20, 2019 |
| Book Page | 2213/217 |
| Instrument | 4226 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN RI |
| Recording Date | Nov 29, 2018 |
| Property Address | 481 RIVER RD, LINCOLN, RI 02865-1425 |
| Document Number | 002146-295 |
| Book / Page | 2146 / 295 |
| Instrument Date | Nov 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0002146297 |
|---|---|
| Date | Nov 29, 2018 |
| Instrument | 2146/297 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Lincoln Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Lincoln Town |
| Unified School District | Lincoln School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,038.00 (+7.47%) | $372,600 (+31.06%) Land $173,400 Building $199,200 | $411,223 |
| 2023 | $4,688.00 | $284,300 Land $121,400 Building $162,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 15 (1979–2023) |
| Claims Outside the SFHA | 8 of 15 |
| Most Recent Claim | Dec 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 85% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 106 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 |
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