Warwick City property record for 78 Spinnaker Ln, Warwick, RI 02886
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,530 sqft · built 1994 |
| Lot Size | 0.37 acres (16,130 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,182 (2025) |
| Deeds & Mortgages | Dec 2024 Refinance Dec 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23703860000 |
| Primary APN | 23703860000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,530 sqft Living Area |
| Gross Area | 3,032 sqft |
| 1st Floor Area | 750 sqft |
| Basement Area | 750 sqft |
| Unfinished Basement | 750 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,130 sqft (0.37 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 141500 |
|---|---|
| Street Address | 78 SPINNAKER LN |
| City | WARWICK |
| State | RI |
| Zip | 02886-8595 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A10 |
| Legal Block | 386 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 22201 |
Source: Warwick City assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 78 SPINNAKER LN, WARWICK, RI 02886-8595 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 26, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Dec 6, 2022 | Quit Claim Deed, Transfer · ARM CITIZENS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Nov 30, 2022 |
| Transfer Doc | 010254-217 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 78 SPINNAKER LN, WARWICK, RI 02886-8595 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010611-188 |
|---|---|
| Date | Dec 26, 2024 |
| Book Page | 10611/188 |
| Instrument | 13667 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Dec 6, 2022 |
| Property Address | 78 SPINNAKER LN, WARWICK, RI 02886-8595 |
| Document Number | 010254-217 |
| Book / Page | 10254 / 217 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 16886 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 78 SPINNAKER LN, WARWICK, RI 02886-8595 |
| Document Number | 0000016887 |
|---|---|
| Date | Dec 6, 2022 |
| Instrument | 16887 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Index | Other |
Source: Warwick City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Warwick City |
| Unified School District | Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,182.00 (-0.95%) | $486,800 (+10.69%) Land $140,700 Building $346,100 | |
| 2024 | $534,565 | ||
| 2023 | $6,241.00 (-2.16%) | $439,800 (+29.13%) Land $118,400 Building $321,400 | |
| 2022 | $6,379.00 | $340,600 Land $87,500 Building $253,100 |
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 · 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 9 (5% premium discount) |
| Nearby Flood Policies | 30 units insured incl. 28 condo units |
| Nearby Flood Claims | 3 (1978–1982) |
| Most Recent Claim | Feb 1982 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.9% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 308 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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