Charlestown Town property record for 495 Old Mill Rd, Charlestown, RI 02813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,100 sqft · built 1972 |
| Lot Size | 1.9 acres (82,764 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,294 (2025) |
| Deeds & Mortgages | Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-0631-57 |
| Primary APN | 13-0631-57 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| Gross Area | 2,496 sqft |
| 1st Floor Area | 1,100 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 82,764 sqft (1.9 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 13-0631-57 |
|---|---|
| Street Address | 495 OLD MILL RD |
| City | CHARLESTOWN |
| State | RI |
| Zip | 02813-3648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Lot Number | 18 |
| Jurisdiction | CHARLESTOWN RI |
| Township / Civil Division | CHARLESTOWN |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 51101 |
Source: Charlestown 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 495 OLD MILL RD, CHARLESTOWN, RI 02813-3648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTOWN RI |
| Property Address | 495 OLD MILL RD, CHARLESTOWN, RI 02813-3648 |
| Document Number | 451-814 |
| Instrument Date | Sep 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 495 OLD MILL RD CHARLESTOWN RI 028133648, CHARLESTOWN, RI 02813-3648 |
| Document Number | 451-814 |
|---|---|
| Date | Sep 26, 2019 |
| Book Page | 000451/000814 |
| Instrument | 2130 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Charlestown Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Charlestown Town |
| Unified School District | Chariho Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,294.00 (+3.29%) | $386,900 (-) Land $168,100 Building $218,800 | $456,208 |
| 2023 | $2,221.00 | $386,900 Land $168,100 Building $218,800 |
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 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 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 32 (1984–2012) |
| Claims Outside the SFHA | 9 of 32 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| 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 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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