West Warwick Town property record for 55 Harding St, West Warwick, RI 02893
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,580 sqft · built 1938 |
| Lot Size | 0.367 acres (16,000 sqft) |
| Owner | 2 Trust Names on Record |
| Tax Bill | $5,416 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Dec 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WWAR 020-0713-0-000 |
| Primary APN | WWAR 020-0713-0-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,580 sqft Living Area |
| Gross Area | 3,667 sqft |
| Basement Area | 1,154 sqft |
| Unfinished Basement | 1,154 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,000 sqft (0.367 acres) |
| Garage Type | Detached |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 7-0071-00 |
|---|---|
| Street Address | 55 HARDING ST |
| City | WEST WARWICK |
| State | RI |
| Zip | 02893-2412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-8 |
| Jurisdiction | WEST WARWICK RI |
| Township / Civil Division | WEST WARWICK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20400 |
Source: West Warwick Town records, as of September 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 55 HARDING ST, WEST WARWICK, RI 02893-2412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 6, 2026 | Deed of Trust, Mortgage WESTERLY COMMUNITY CREDIT UNION |
| Dec 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK RHODE ISLAND |
| Aug 4, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 3, 2022 |
| Transfer Doc | 0024873797 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Recording Date | May 6, 2026 |
| Property Address | 55 HARDING ST, WEST WARWICK, RI 02893-2412 |
| Document Number | 02491-1640 |
| Book / Page | 2491 / 1640 |
| Instrument Date | May 1, 2026 |
| Instrument | 20262491-1640 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0024911640, |
|---|---|
| Date | May 6, 2026 |
| Book Page | 2491/1640 |
| Instrument | 20262491-1640 |
| Name | WESTERLY COMMUNITY CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate | 5.77% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 55 HARDING ST, WEST WARWICK, RI 02893-2412 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0024875739 |
|---|---|
| Date | Dec 27, 2022 |
| Instrument | 2487-5739 |
| Name | BANK RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 109 Months |
| Due | Jan 1, 2032 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Recording Date | Aug 4, 2022 |
| Property Address | 55 HARDING ST, WEST WARWICK, RI 02893-2412 |
| Document Number | 0024873797 |
| Instrument Date | Aug 3, 2022 |
| Instrument | 2487-3797 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 HARDING ST, WEST WARWICK, RI 02893-2412 |
Source: West Warwick Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | West Warwick Town |
| Unified School District | West Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,416.00 (+8.32%) | $379,000 (+38.88%) Land $96,000 Building $283,000 | $470,060 |
| 2023 | $5,000.00 | $272,900 Land $78,500 Building $194,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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