Middletown Town property record for 55 James Francis Ter, Middletown, RI 02842
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,325 sqft · built 1995 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,187 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 201500160 |
| Primary APN | 201500160 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,325 sqft Living Area |
| Gross Area | 4,916 sqft |
| 1st Floor Area | 1,356 sqft |
| Basement Area | 1,356 sqft |
| Unfinished Basement | 1,140 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Material | Asphalt |
| Lot Area | 23,522 sqft (0.54 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 201500160 |
|---|---|
| Street Address | 55 JAMES FRANCIS TER |
| City | MIDDLETOWN |
| State | RI |
| Zip | 02842-4667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Lot Number | 604 |
| Jurisdiction | MIDDLETOWN RI |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 40304 |
55 James Francis Ter is owned and occupied by two individuals who acquired it in September 2021.
Source: Middletown Town records, as of October 20, 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 File |
|---|---|
| Mailing Address | 55 JAMES FRANCIS TER, MIDDLETOWN, RI 02842-4667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES CU |
| Sep 23, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 17, 2021 |
| Transfer Doc | 001737-317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETOWN RI |
| Property Address | 55 JAMES FRANCIS TER, MIDDLETOWN, RI 02842-4667 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001737-272 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 1737/272 |
| Instrument | 3219 |
| Name | PEOPLES CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIDDLETOWN RI |
| Recording Date | Sep 23, 2021 |
| Property Address | 55 JAMES FRANCIS TER, MIDDLETOWN, RI 02842-4667 |
| Document Number | 001737-317 |
| Book / Page | 1737 / 317 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 3230 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 55 JAMES FRANCIS TER, MIDDLETOWN, RI 02842-4667 |
The 2025 property tax bill for 55 James Francis Ter was $8,187.
Source: Middletown Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Middletown Town |
| Unified School District | Middletown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,187.00 | $694,400 Land $363,400 Building $331,000 | $898,984 |
| 2023 | $6,062.00 (+4.73%) | $481,500 (-) Land $245,600 Building $235,900 | |
| 2022 | $5,788.00 | $481,500 Land $245,600 Building $235,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 James Francis Ter in Zone X, an area of minimal flood risk.
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 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
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 risk around 55 James Francis Ter 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 94% of the US · lower than 80% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEWPORT-CITY OF serves 42,155 people · EPA ID RI1592010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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