5 Congress St, Warwick, RI 02889 Property Records

Warwick City property record for 5 Congress St, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,768 sqft · built 2004
Lot Size	0.161 acres (7,010 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Dec 2017)
Tax Bill	$5,330 (2025)
Deeds & Mortgages	Jun 2020 Refinance Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35403010000`

Property Details

APN / Parcel Number

Primary APN	`35403010000`
Alternative APNs	`WARW M:354 B:0301 L:0000` `100071588`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	884 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,010 sqft (0.161 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	100071588
Street Address	5 CONGRESS ST
City	WARWICK
State	RI
Zip	02889-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	301
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	3
Census Block	3014
Census Tract	21502

Owner

5 Congress St is owned and occupied by an individual who bought it in December 2017.

Source: Warwick City records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	5 CONGRESS ST, WARWICK, RI 02889-5003
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE
Dec 1, 2017	Warranty Deed, Transfer HOME POINT FINL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2017 · Amount on File
Deed Sale	Dec 1, 2017 · Amount on File
Deed Book / Page	8955 / 134
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	5 CONGRESS ST, WARWICK, RI 02889-5003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9542-128
Date	Jun 23, 2020
Book Page	9542/128
Instrument	8698

Lender

Name	GUARANTY HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Dec 1, 2017
Property Address	5 CONGRESS ST, WARWICK, RI 02889-5003
Document Number	8955-134
Book / Page	8955 / 134
Instrument	18047
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	89550136
Date	Dec 1, 2017
Instrument	08955/0136

Lender

Name	HOME POINT FINL CORP

Agreement

Amount	Amount on Record
Term	372 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5 Congress St was $5,330.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,330.00	$419,700 Land $111,500 Building $308,200
2024			$476,615
2023	$5,128.00 (+1.71%)	$361,400 (+34.25%) Land $96,900 Building $264,500
2022	$5,042.00	$269,200 Land $60,600 Building $208,600

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

Flood

FEMA maps place 5 Congress St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1998.

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 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	12 (1998–2010)
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 10 claims

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

The area around 5 Congress 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.

Drinking Water

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

Water System	WARWICK-CITY OF serves 73,289 people · EPA ID RI1615627
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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