Exeter Town property record for 686 Gardner Rd, Exeter, RI 02822 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,621 sqft Living Area |
| Lot Size | 44,867 sqft (1.03 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $495,000 (2025) |
| Tax Bill | $5,800.00 (2025) |
| Primary APN | 4517-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,621 sqft Living Area |
| Gross Area | 2,233 sqft Gross Area |
| 1st Floor | 1,621 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch Style |
| Exterior Material | Combination Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 44,867 sqft (1.03 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Oil Heating Fuel |
| Water Source | Well Water Source |
| Account Number | 4517-11 |
|---|---|
| Street Address | 686 GARDNER RD |
| City | EXETER |
| State | RI |
| Zip | 02822-2501 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | EXETER RI |
| Minor Civil Division | EXETER |
| Census Blockgroup | 3 |
| Census Block | 3102 |
| Census Tract | 50500 |
Source: Exeter Town records · APN 4517-11
Assessment roll updated June 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 686 GARDNER RD, EXETER, RI 02822-2501 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 20, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 22, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Nov 25, 2025 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage PRIMARY RESIDENTIAL MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 25, 2025 · Amount on Record |
| Deed Sale | Nov 25, 2025 · Amount on Record |
| Prior Sale | Mar 24, 2017 · Amount on Record |
| Deed Book / Page | 643 / 52 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EXETER RI |
| Property Address | 686 GARDNER RD, EXETER, RI 02822-2501 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000614-151 |
|---|---|
| Date | Nov 20, 2023 |
| Book Page | 614/151 |
| Instrument | 853 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Dec 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EXETER RI |
| Property Address | 686 GARDNER RD, EXETER, RI 02822-2501 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000633-287 |
|---|---|
| Date | May 22, 2025 |
| Book Page | 633/287 |
| Instrument | 389 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EXETER RI |
| Recording Date | Nov 25, 2025 |
| Property Address | 686 GARDNER RD, EXETER, RI 02822-2501 |
| Document Number | 0000643-52 |
| Book / Page | 643 / 52 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 1048 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 686 GARDNER RD, EXETER, RI 02822-2501 |
| Document Number | 0000001049 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 1049 |
| Name | PRIMARY RESIDENTIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Number | 0000643-67 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | 643/67 |
| Instrument | 1050 |
| Name | RHODE ISLAND HOUSING & MTG FIN CORP |
|---|
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2040 |
Source: Exeter Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Exeter Town |
| Elementary School District | Exeter-West Greenwich Regional School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,800.00 (+38%) | $393,200 (+33.51%) Land $164,600 Building $228,600 |
| 2023 | $4,203.00 (+2.39%) | $294,500 (-) Land $118,500 Building $176,000 |
| 2022 | $4,105.00 | $294,500 Land $118,500 Building $176,000 |
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