85 Montgomery St, Warwick, RI 02886 Property Records

Warwick City property record for 85 Montgomery St, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 978 sqft · built 1953
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,900 (Mar 2014)
Tax Bill	$4,163 (2025)
Deeds & Mortgages	Sep 2022 Refinance Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25701330000`

Property Details

APN / Parcel Number

Primary APN	`25701330000`
Alternative APNs	`WARW M:257 B:0133 L:0000` `31813`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	978 sqft Living Area
Gross Area	2,306 sqft
1st Floor Area	978 sqft
Basement Area	224 sqft
Unfinished Basement	224 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	31813
Street Address	85 MONTGOMERY ST
City	WARWICK
State	RI
Zip	02886-2856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	133
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	3
Census Block	3049
Census Tract	22100

Owner

Source: Warwick City records, as of June 22, 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 Record
Mailing Address	85 MONTGOMERY ST, WARWICK, RI 02886-2856
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Dec 6, 2017	Deed of Trust, Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2014 · Amount on Record
Deed Sale	Mar 31, 2014 · Amount on Record
Prior Sale	Oct 2, 2000 · Amount on Record
Deed Book / Page	8152 / 53
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	85 MONTGOMERY ST, WARWICK, RI 02886-2856
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010215-155
Date	Sep 23, 2022
Book Page	10215/155
Instrument	13588

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	85 MONTGOMERY ST, WARWICK, RI 02886-2856
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8959-22
Date	Dec 6, 2017
Book Page	8959/22
Instrument	18257

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Warwick City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Warwick City
Unified School District	Warwick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,163.00 (+4.36%)	$327,800 (+16.61%) Land $114,300 Building $213,500
2024			$330,220
2023	$3,989.00 (+6.29%)	$281,100 (+40.27%) Land $99,400 Building $181,700
2022	$3,753.00	$200,400 Land $66,700 Building $133,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 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

May also be available: T-Mobile.

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