484 Thames St, Bristol, RI 02809 Property Records

Bristol Town property record for 484 Thames St, Bristol, RI 02809 · Last verified July 2026

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,610 sqft · built 1897
Lot Size	0.095 acres (4,138 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Jul 2025)
Tax Bill	$6,578 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-0385-00`

Property Details

APN / Parcel Number

Primary APN	`19-0385-00`
Alternative APNs	`BRIS M:8 L:19` `292`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,610 sqft Living Area
Gross Area	2,575 sqft
1st Floor Area	805 sqft
Basement Area	805 sqft
Unfinished Basement	805 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,138 sqft (0.095 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	292
Street Address	484 THAMES ST
City	BRISTOL
State	RI
Zip	02809-1933
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	19
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	4
Census Block	4010
Census Tract	30700

Owner

Source: Bristol Town records · APN 19-0385-00

Assessment roll updated June 22, 2026 · Last verified July 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 File
Mailing Address	484 THAMES ST, BRISTOL, RI 02809-1933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · ARM AVIDIA BANK
Jul 28, 2025	Executor's Deed, Transfer · Conventional Mortgage AVIDIA BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Deed Book / Page	2288 / 217
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Recording Date	May 22, 2026
Property Address	484 THAMES ST, BRISTOL, RI 02809-1933
Document Number	002322-325
Book / Page	2322 / 325
Instrument Date	May 21, 2026
Instrument	20261217
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 THAMES ST, BRISTOL, RI 02809-1933
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001217,
Date	May 22, 2026
Book Page	2322/325
Instrument	20261217

Lender

Name	AVIDIA BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Type Change Date	Jun 01, 2031
Index	3-Year CMT
Margin	3
Max Rate	-1%

July 2025: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	BRISTOL RI
Recording Date	Jul 28, 2025
Property Address	484 THAMES ST, BRISTOL, RI 02809-1933
Document Number	002288-217
Book / Page	2288 / 217
Instrument Date	Jul 28, 2025
Instrument	2025-1598
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Investor	Possibly a Property Investor

Mortgage

Document Number	0020251599
Date	Jul 28, 2025
Instrument	2025-1599

Lender

Name	AVIDIA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Aug 01, 2030
Index	3-Year CMT

Tax Assessment & Valuation

Source: Bristol Town records · Assessment roll updated June 22, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Bristol Town
Unified School District	Bristol-Warren Regional School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$6,578.00 (+3.51%)	$620,000 (+30.33%) Land $356,100 Building $263,900
2023	$6,355.00 (+2.77%)	$475,700 (-) Land $296,700 Building $179,000
2022	$6,184.00	$475,700 Land $296,700 Building $179,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44001C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440010307004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 40 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	74 units insured 34 under condo master policies
Nearby Flood Claims	25 (1978–2021)
Claims Outside the SFHA	3 of 25
Most Recent Claim	Sep 2021, rainfall accumulation
Claims By Storm	Severe Storms And Flooding, Apr 2010 · 9 claims Hurricane Bob, Aug 1991 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Bristol Waterfront Historic District listed 1975 · 449 contributing resources · NRIS 75000053

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 352 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
WH i3B Bidco LLC/WH i3B Topco	Cable	2,000 / 40
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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