85 Stearns St, Pawtucket, RI 02861 Property Records

Pawtucket City property record for 85 Stearns St, Pawtucket, RI 02861

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,120 sqft · built 1940
Lot Size	0.111 acres (4,818 sqft)
Owner	2 Individual Names on File
Last Sale	$366,500 (May 2023)
Tax Bill	$4,283 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PAWT M:04 L:0813`

Property Details

APN / Parcel Number

Primary APN	`PAWT M:04 L:0813`
Alternative APNs	`040813` `40813`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	800 sqft
Attic	Attic
Attic Area	800 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,818 sqft (0.111 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	40813
Street Address	85 STEARNS ST
City	PAWTUCKET
State	RI
Zip	02861-1272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Lot Number	813
Jurisdiction	PAWTUCKET RI
Township / Civil Division	PAWTUCKET
Census Block Group	2
Census Block	2002
Census Tract	15500

Owner

85 Stearns St is owned and occupied by two individuals who bought it in May 2023.

Source: Pawtucket City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	85 STEARNS ST, PAWTUCKET, RI 02861-1272
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Jan 4, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023 · Amount on File
Deed Sale	May 15, 2023 · Amount on File
Prior Sale	Jan 4, 2021 · Amount on File
Deed Book / Page	4986 / 320
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAWTUCKET RI
Recording Date	May 15, 2023
Property Address	85 STEARNS ST, PAWTUCKET, RI 02861-1272
Document Number	004986-320
Book / Page	4986 / 320
Instrument Date	May 15, 2023
Instrument	41
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 STEARNS ST, PAWTUCKET, RI 02861-1272

Mortgage

Document Number	0000000042
Date	May 15, 2023
Instrument	42

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAWTUCKET RI
Recording Date	Jan 4, 2021
Property Address	85 STEARNS ST, PAWTUCKET, RI 02861-1272
Document Number	4619-106
Book / Page	4619 / 106
Instrument Date	Dec 31, 2020
Instrument	88
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	89
Date	Jan 4, 2021
Instrument	89

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	004619-130
Date	Jan 4, 2021
Book Page	4619/130
Instrument	90

Lender

Name	RHODE ISLAND HOUSING & MTG FIN CORP

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 85 Stearns St was $4,283.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,283.00	$325,700 Land $122,200 Building $203,500	$378,590
2023	$4,047.00 (+2.17%)	$238,900 (-) Land $76,400 Building $162,500
2022	$3,961.00	$238,900 Land $76,400 Building $162,500

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

Flood

FEMA maps place 85 Stearns St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 85 Stearns St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 659 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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