54 Cliff Dr, Narragansett, RI 02882 Property Records

Narragansett Town property record for 54 Cliff Dr, Narragansett, RI 02882

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 6 ba · 5,823 sqft · built 2017
Lot Size	1.83 acres (79,998 sqft)
Owner	Trust Name on File
Last Sale	$950,000 (Nov 2016)
Tax Bill	$26,480 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NARR M:N-J B:23`

Property Details

APN / Parcel Number

Primary APN	`NARR M:N-J B:23`
Alternative APNs	`M:N=J B:23` `8106500`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	4 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,823 sqft Living Area
Gross Area	10,719 sqft
Basement Area	2,564 sqft
Unfinished Basement	323 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	79,998 sqft (1.83 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8106500
Street Address	54 CLIFF DR
City	NARRAGANSETT
State	RI
Zip	02882-1919
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	R-40
Legal Block	23
Jurisdiction	NARRAGANSETT RI
Township / Civil Division	NARRAGANSETT
Census Block Group	2
Census Block	2030
Census Tract	51502

Owner

54 Cliff Dr, a residential property, is owner-occupied and held in a trust since August 2020.

Source: Narragansett Town records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	54 CLIFF DR, NARRAGANSETT, RI 02882-1919
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit MORGAN STANLEY PRIVATE BANK
Apr 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MORGAN STANLEY CREDIT CORP
Sep 4, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2016 · Amount on File
Deed Sale	Nov 1, 2016 · Amount on File
Deed Document Number	20164061
Deed Book / Page	885 / 144
Last Transfer Date	Aug 31, 2020
Transfer Doc	000957-241
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NARRAGANSETT RI
Property Address	54 CLIFF DR, NARRAGANSETT, RI 02882-1919
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001059-56
Date	Mar 25, 2026
Book Page	1059/56
Instrument	2026000749

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NARRAGANSETT RI
Property Address	54 CLIFF DR, NARRAGANSETT, RI 02882-1919
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	926-565
Date	Apr 3, 2019
Book Page	926/565
Instrument	964

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NARRAGANSETT RI
Recording Date	Sep 4, 2020
Property Address	54 CLIFF DR, NARRAGANSETT, RI 02882-1919
Document Number	957-241
Book / Page	000957 / 000241
Instrument Date	Aug 31, 2020
Instrument	3700
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CLIFF DR NARRAGANSETT RI 028821919, NARRAGANSETT, RI 02882-1919

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NARRAGANSETT RI
Recording Date	Apr 11, 2017
Property Address	54 CLIFF DR, NARRAGANSETT, RI 02882-1919
Document Number	892-980
Book / Page	000892 / 000980
Instrument Date	Apr 6, 2017
Instrument	1256
Transaction Type	Transfer
Record Updated	May 2, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust

Tax Assessment & Valuation

The 2025 property tax bill for 54 Cliff Dr was $26,480.

Source: Narragansett Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Narragansett Town
Unified School District	Narragansett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$26,480.00	$3,899,800 Land $1,272,600 Building $2,627,200	$4,929,784
2023	$25,348.00 (+3.77%)	$2,722,700 (+0.31%) Land $920,400 Building $1,802,300
2022	$24,428.00	$2,714,200 Land $920,400 Building $1,793,800

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

Flood

FEMA maps place 54 Cliff Dr in Zone X, an area of minimal flood risk, though there have been 49 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 35 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	45 units insured incl. 10 condo units
Nearby Flood Claims	49 (1978–2023)
Claims Outside the SFHA	14 of 49
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 10 claims Tropical Storm Irene, Aug 2011 · 8 claims Hurricane Bob, Aug 1991 · 6 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

Wildfire risk around 54 Cliff Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 85% of Rhode Island
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	VEOLIA WATER WAKEFIELD RHODE ISLAND INC private · serves 21,225 people · EPA ID RI1615624
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023 E. coli resolved · Aug 2018
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. 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 25 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

Cell Coverage

5G (outdoors only) and 4G LTE

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