Warwick City property record for 81 Wharf Rd, Warwick, RI 02889
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,008 sqft · built 1925 |
| Lot Size | 0.104 acres (4,535 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (May 2008) |
| Tax Bill | $3,691 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance Apr 2024 Refinance + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 35903120000 |
| Primary APN | 35903120000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 2,064 sqft |
| 1st Floor Area | 672 sqft |
| Attic | Attic |
| Attic Area | 672 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,535 sqft (0.104 acres) |
| Garage Type | Detached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 100142432 |
|---|---|
| Street Address | 81 WHARF RD |
| City | WARWICK |
| State | RI |
| Zip | 02889-4233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A7 |
| Legal Block | 312 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 21700 |
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 | 81 WHARF RD, WARWICK, RI 02889-4233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Apr 2, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK |
| Mar 19, 2025 | Deed of Trust, Mortgage · Line of Credit COASTAL ONE CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2008 · Amount on Record |
| Deed Sale | May 23, 2008 · Amount on Record |
| Deed Book / Page | 6853 / 112 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 81 WHARF RD, WARWICK, RI 02889-4233 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0009775-24 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 9775/24 |
| Instrument | 5072 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 81 WHARF RD, WARWICK, RI 02889-4233 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010472-218 |
|---|---|
| Date | Apr 2, 2024 |
| Book Page | 10472/218 |
| Instrument | 3043 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 81 WHARF RD, WARWICK, RI 02889-4233 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0010651-74 |
|---|---|
| Date | Mar 19, 2025 |
| Book Page | 10651/74 |
| Instrument | 2857 |
| Name | COASTAL ONE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
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 | $3,691.00 (+10.41%) | $290,600 (+23.34%) Land $96,100 Building $194,500 | |
| 2024 | $305,045 | ||
| 2023 | $3,343.00 (+13.25%) | $235,600 (+49.49%) Land $78,000 Building $157,600 | |
| 2022 | $2,952.00 | $157,600 Land $42,900 Building $114,700 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 58 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 58 (1978–2021) |
| Claims Outside the SFHA | 6 of 58 |
| Most Recent Claim | Oct 2021 · other causes |
| Claims by Event |
|
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 97% of the US · lower than 91% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 404 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 |
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