498 Congress St, Woonsocket, RI 02895 Property Records

Woonsocket City property record for 498 Congress St, Woonsocket, RI 02895

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,337 sqft · built 2003
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,072 (2025)
Deeds & Mortgages	Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`26029`

Property Details

APN / Parcel Number

Primary APN	`26029`
Alternative APN	`WOON M:49C L:390 U:74`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,337 sqft Living Area
Gross Area	4,203 sqft
1st Floor Area	969 sqft
Basement Area	969 sqft
Unfinished Basement	969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	26029
Street Address	498 CONGRESS ST
City	WOONSOCKET
State	RI
Zip	02895-4870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	390
Jurisdiction	WOONSOCKET RI
Township / Civil Division	WOONSOCKET
Census Block Group	2
Census Block	2024
Census Tract	18500

Owner

Source: Woonsocket City 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	498 CONGRESS ST, WOONSOCKET, RI 02895-4870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2010
Deed Sale	Mar 15, 2010
Prior Sale	Aug 27, 2003 · Amount on Record
Deed Book / Page	1853 / 130
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOONSOCKET RI
Property Address	498 CONGRESS ST, WOONSOCKET, RI 02895-4870
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2611-145
Date	Apr 1, 2021
Book Page	2611/145
Instrument	213355

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

Tax Assessment & Valuation

Source: Woonsocket City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Woonsocket City
Unified School District	Woonsocket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,072.00 (+6.71%)	$540,700 (+32.85%) Land $110,100 Building $430,600	$585,784
2023	$5,690.00	$407,000 (-) Land $89,800 Building $317,200
2022	$5,690.00	$407,000 Land $89,800 Building $317,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · 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
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1979 · tidal / storm surge

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WOONSOCKET WATER DIVISION serves 45,828 people · EPA ID RI1559518
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880