495 Black Plain Rd, North Smithfield, RI 02896 Property Records

North Smithfield Town property record for 495 Black Plain Rd, North Smithfield, RI 02896

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,777 sqft · built 1988
Lot Size	1.58 acres (69,185 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,465 (2025)
Deeds & Mortgages	May 2023 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NSMI M:0007 L:0027`

Property Details

APN / Parcel Number

Primary APN	`NSMI M:0007 L:0027`
Alternative APN	`81`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,777 sqft Living Area
Gross Area	8,469 sqft
1st Floor Area	2,004 sqft
Attic	Attic
Attic Area	216 sqft
Basement Area	3,096 sqft
Unfinished Basement	2,004 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	69,185 sqft (1.58 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	81
Street Address	495 BLACK PLAIN RD
City	NORTH SMITHFIELD
State	RI
Zip	02896-9581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Lot Number	27
Jurisdiction	NORTH SMITHFIELD RI
Township / Civil Division	NORTH SMITHFIELD
Census Block Group	2
Census Block	2000
Census Tract	12803

Owner

Source: North Smithfield Town records · APN NSMI M:0007 L:0027

Assessment roll updated June 22, 2026 · Last verified June 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	495 BLACK PLAIN RD, NORTH SMITHFIELD, RI 02896-9581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 15, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Mar 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Nov 09, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH SMITHFIELD RI
Property Address	495 BLACK PLAIN RD, NORTH SMITHFIELD, RI 02896-9581
Transaction Type	Mortgage
Record Updated	Jun 01, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000967-145
Date	May 17, 2023
Book Page	967/145
Instrument	50647

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 01, 2048

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH SMITHFIELD RI
Property Address	495 BLACK PLAIN RD, NORTH SMITHFIELD, RI 02896-9581
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	869-182
Date	Oct 15, 2020
Book Page	869/182
Instrument	43560

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 01, 2045

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH SMITHFIELD RI
Property Address	495 BLACK PLAIN RD, NORTH SMITHFIELD, RI 02896-9581
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	BARSH AND COHEN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	808-9
Date	Mar 20, 2019
Book Page	808/9

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH SMITHFIELD RI
Property Address	495 BLACK PLAIN RD, NORTH SMITHFIELD, RI 02896-9581
Document Number	768-147
Book / Page	000768 / 000147
Instrument Date	Nov 09, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 BLACK PLAIN RD NORTH SMITHFIELD RI 028969581, NORTH SMITHFIELD, RI 02896-9581

Mortgage

Document Number	768-147
Date	Dec 07, 2017
Book Page	000768/000147

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: North Smithfield Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	North Smithfield Town
Unified School District	North Smithfield 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	$8,465.00 (+8.64%)	$736,100 (+34.62%) Land $142,400 Building $593,700
2023	$7,792.00 (+2.45%)	$546,800 (-) Land $120,000 Building $426,800
2022	$7,606.00	$546,800 Land $120,000 Building $426,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 22, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jan 2024 · Severe Storms And Flooding

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Based on FCC filings for 60 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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