Newport City property record for 491 Spring St, Newport, RI 02840
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,363 sqft · built 1987 |
| Lot Size | 0.069 acres (3,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $634,500 (Sep 2013) |
| Tax Bill | $12,006 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R06678 |
| Primary APN | R06678 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 4 Stories |
| Building Area | 3,363 sqft Living Area |
| Gross Area | 3,651 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,001 sqft (0.069 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | R06678 |
|---|---|
| Street Address | 491 SPRING ST |
| City | NEWPORT |
| State | RI |
| Zip | 02840-6833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Block | 70 |
| Jurisdiction | NEWPORT RI |
| Township / Civil Division | NEWPORT |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 41000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Southern Thames Historic District listed 2008 · 739 contributing resources · NRIS 08000314 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
491 Spring St is owned by two individuals who bought it in September 2013.
Source: Newport City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 FRANKLIN ST, 1607, BOSTON, MA 02110-1187 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 29, 2022 | Deed of Trust, Mortgage · ARM BANK OF AMERICA NA |
| Mar 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TR CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2013 · Amount on File |
| Deed Sale | Sep 26, 2013 · Amount on File |
| Prior Sale | Nov 14, 2005 · Amount on File |
| Deed Book / Page | 2389 / 193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWPORT RI |
| Property Address | 491 SPRING ST, NEWPORT, RI 02840-6833 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003096-152 |
|---|---|
| Date | Jun 29, 2022 |
| Book Page | 3096/152 |
| Instrument | 143623 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.13% |
| Type Change Date | Jul 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWPORT RI |
| Property Address | 491 SPRING ST, NEWPORT, RI 02840-6833 |
| Document Number | 2658-238 |
| Book / Page | 002658 / 000238 |
| Instrument Date | Mar 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1 FRANKLIN ST #1607 BOSTON MA 021101187, 1607, BOSTON, MA 02110-1187 |
| Document Number | 2658-238 |
|---|---|
| Date | Mar 29, 2017 |
| Book Page | 002658/000238 |
| Instrument | 110248 |
| Name | WASHINGTON TR CO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 28, 2047 |
The 2025 property tax bill for 491 Spring St was $12,006.
Source: Newport City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Newport City |
| Unified School District | Newport School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,006.00 | $1,381,700 Land $366,900 Building $1,014,800 | $1,815,730 |
| 2023 | $8,736.00 (+3.23%) | $880,600 (-) Land $239,900 Building $640,700 | |
| 2022 | $8,463.00 | $880,600 Land $239,900 Building $640,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 491 Spring St in Zone X, an area of minimal flood risk, though there have been 60 flood claims nearby since 1980.
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 |
| Flood Insurance Cost | Premium on File median of 90 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 204 units insured incl. 114 condo units |
| Nearby Flood Claims | 60 (1980–2025) |
| Claims Outside the SFHA | 5 of 60 |
| Most Recent Claim | May 2025 · rainfall accumulation |
| 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.
The area around 491 Spring St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 680 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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