51 Duchess St, Warwick, RI 02886 Property Records

Warwick City property record for 51 Duchess St, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,115 sqft · built 1960
Lot Size	0.228 acres (9,948 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Dec 2017)
Tax Bill	$5,521 (2025)
Deeds & Mortgages	Sep 2023 Refinance Apr 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`23700810000`

Property Details

APN / Parcel Number

Primary APN	`23700810000`
Alternative APNs	`WARW M:237 B:0081 L:0000` `6195`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,115 sqft Living Area
Gross Area	4,806 sqft
1st Floor Area	2,115 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,948 sqft (0.228 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6195
Street Address	51 DUCHESS ST
City	WARWICK
State	RI
Zip	02886-6812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A10
Legal Block	81
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	1
Census Block	1011
Census Tract	22201

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	51 DUCHESS ST, WARWICK, RI 02886-6812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANKNEWPORT
Apr 27, 2026	Quit Claim Deed, Transfer · Conventional Mortgage NFM LENDING
Sep 4, 2019	Deed of Trust, Mortgage · Conventional with PMI FINANCE AMERICA
Dec 1, 2017	Warranty Deed, Transfer
Dec 1, 2017	Warranty Deed, Transfer · FHA Mortgage FINANCE AMERICA
Jul 20, 2017	Warranty Deed, Transfer FINANCE AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Prior Sale	Dec 1, 2017 · Amount on Record
Deed Book / Page	8954 / 258
Last Transfer Date	Apr 20, 2026
Transfer Doc	010879-241
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	51 DUCHESS ST, WARWICK, RI 02886-6812
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010390-162
Date	Sep 29, 2023
Book Page	10390/162
Instrument	10229

Lender

Name	BANKNEWPORT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2048

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Apr 27, 2026
Property Address	51 DUCHESS ST, WARWICK, RI 02886-6812
Document Number	010879-241
Book / Page	10879 / 241
Instrument Date	Apr 20, 2026
Instrument	20264476
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	51 DUCHESS ST, WARWICK, RI 02886-6812

Mortgage

Date	Apr 27, 2026

Lender

Name	NFM LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	51 DUCHESS ST, WARWICK, RI 02886-6812
Document Number	9347-95
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 DUCHESS ST WARWICK RI 028866812, WARWICK, RI 02886-6812

Mortgage

Document Number	9347-95
Date	Sep 9, 2019
Book Page	009347/000095
Instrument	12442

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Dec 1, 2017
Property Address	51 DUCHESS ST, WARWICK, RI 02886-6812
Document Number	8954-255
Book / Page	008954 / 000255
Instrument	988
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 DUCHESS ST WARWICK RI 028866812, WARWICK, RI 02886-6812

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Dec 1, 2017
Property Address	51 DUCHESS ST, WARWICK, RI 02886-6812
Document Number	8954-258
Book / Page	008954 / 000258
Instrument	990
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 DUCHESS ST WARWICK RI 028866812, WARWICK, RI 02886-6812

Mortgage

Document Number	8954-260
Date	Dec 1, 2017
Book Page	008954/000260
Instrument	991

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Jul 20, 2017
Property Address	51 DUCHESS ST, WARWICK, RI 02886-6812
Document Number	8861-317
Book / Page	008861 / 000317
Instrument Date	Jul 14, 2017
Instrument	10528
Transaction Type	Transfer
Record Updated	Aug 8, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 DUCHESS ST WARWICK RI 028866812, WARWICK, RI 02886-6812

Mortgage

Document Number	8861-319
Date	Jul 20, 2017
Book Page	008861/000319
Instrument	10529

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,521.00 (+4.17%)	$434,700 (+16.39%) Land $132,800 Building $301,900
2024			$528,580
2023	$5,300.00 (+2.12%)	$373,500 (+34.79%) Land $111,700 Building $261,800
2022	$5,190.00	$277,100 Land $81,700 Building $195,400

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 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	7 in force
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2005 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	KENT COUNTY WATER AUTHORITY serves 94,107 people · EPA ID RI1559511
Water Source	Purchased surface water from several systems
Last State Inspection	May 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	None 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 93 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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