Middletown Town property record for 49 James Francis Ter, Middletown, RI 02842
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1995 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $415,000 (Jul 2020) |
| Tax Bill | $6,684 (2025) |
| Deeds & Mortgages | Apr 2024 Refinance Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 202000173 |
| Primary APN | 202000173 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 3,582 sqft |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 1,332 sqft |
| Unfinished Basement | 772 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 202000173 |
|---|---|
| Street Address | 49 JAMES FRANCIS TER |
| City | MIDDLETOWN |
| State | RI |
| Zip | 02842-4667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Lot Number | 605 |
| Jurisdiction | MIDDLETOWN RI |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 40304 |
49 James Francis Ter is owned and occupied by an individual who bought it in July 2020.
Source: Middletown Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 49 JAMES FRANCIS TER, MIDDLETOWN, RI 02842-4667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jul 6, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE |
| Aug 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ST ANNE'S CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2020 · Amount on File |
| Deed Sale | Jul 6, 2020 · Amount on File |
| Prior Sale | Jan 4, 1995 · Amount on File |
| Deed Document Number | 202035 |
| Deed Book / Page | 1659 / 293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETOWN RI |
| Property Address | 49 JAMES FRANCIS TER, MIDDLETOWN, RI 02842-4667 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2024 |
| Name | Verified Name |
|---|
| Document Number | 001826-259 |
|---|---|
| Date | Apr 11, 2024 |
| Book Page | 1826/259 |
| Instrument | 558 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDDLETOWN RI |
| Recording Date | Jul 6, 2020 |
| Property Address | 49 JAMES FRANCIS TER, MIDDLETOWN, RI 02842-4667 |
| Document Number | 1659-293 |
| Book / Page | 1659 / 293 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 2035 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 | 2036 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 2036 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETOWN RI |
| Property Address | 49 JAMES FRANCIS TER, MIDDLETOWN, RI 02842-4667 |
| Document Number | 1530-17 |
| Book / Page | 001530 / 000017 |
| Instrument Date | Aug 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2017 |
| Name | Verified Name |
|---|---|
| Address | 49 JAMES FRANCIS TER MIDDLETOWN RI 028424667, MIDDLETOWN, RI 02842-4667 |
| Document Number | 1530-17 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 001530/000017 |
| Instrument | 2085 |
| Name | ST ANNE'S CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 21, 2022 |
The 2025 property tax bill for 49 James Francis Ter was $6,684.
Source: Middletown Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Middletown Town |
| Unified School District | Middletown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,684.00 | $566,900 Land $363,300 Building $203,600 | $679,572 |
| 2023 | $5,070.00 (+4.75%) | $402,700 (-) Land $245,500 Building $157,200 | |
| 2022 | $4,840.00 | $402,700 Land $245,500 Building $157,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 49 James Francis Ter in Zone X, an area of minimal flood risk.
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 7 (15% premium discount) |
| Nearby Flood Policies | 2 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 risk around 49 James Francis Ter is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEWPORT-CITY OF serves 42,155 people · EPA ID RI1592010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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