54 Polk Rd, Warwick, RI 02889 Property Records

Warwick City property record for 54 Polk Rd, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,388 sqft · built 1999
Lot Size	0.4 acres (17,427 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Sep 2025)
Tax Bill	$5,528 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32601590000`

Property Details

APN / Parcel Number

Primary APN	`32601590000`
Alternative APNs	`WARW M:326 B:0159 L:0000` `100073095` `145554`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,388 sqft Living Area
Gross Area	2,888 sqft
1st Floor Area	968 sqft
Basement Area	968 sqft
Unfinished Basement	128 sqft
Game Room	Game Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,427 sqft (0.4 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	145554
Street Address	54 POLK RD
City	WARWICK
State	RI
Zip	02889-2939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	159
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	1
Census Block	1005
Census Tract	21401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	54 POLK RD, WARWICK, RI 02889-2939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2025	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Jan 8, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage HOME LOAN AND INVESTMENT BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2025 · Amount on Record
Deed Sale	Sep 2, 2025 · Amount on Record
Prior Sale	Jul 23, 2024 · Amount on Record
Deed Book / Page	10746 / 235
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Sep 2, 2025
Property Address	54 POLK RD, WARWICK, RI 02889-2939
Document Number	010746-235
Book / Page	10746 / 235
Instrument Date	Sep 2, 2025
Instrument	10044
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 POLK RD, WARWICK, RI 02889-2939

Mortgage

Document Number	0000010045
Date	Sep 2, 2025
Instrument	10045

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Jan 8, 2024
Property Address	54 POLK RD, WARWICK, RI 02889-2939
Document Number	0010435-32
Book / Page	10435 / 32
Instrument Date	Jan 8, 2024
Instrument	238
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 POLK RD, WARWICK, RI 02889-2939

Mortgage

Document Number	0000000239
Date	Jan 8, 2024
Instrument	239

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
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	$5,528.00 (-3.29%)	$435,300 (+10.2%) Land $117,300 Building $318,000
2024	$5,716.00 (+1.98%)	$395,000 (-) Land $96,800 Building $298,200	$442,605
2023	$5,605.00 (+4.53%)	$395,000 (+37.97%) Land $96,800 Building $298,200
2022	$5,362.00	$286,300 Land $73,100 Building $213,200

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 December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2010–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2024 · Severe Storms And Flooding

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 96% of the US · lower than 88% 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	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 259 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

May also be available: T-Mobile.

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