89 Surfside Ave, Charlestown, RI 02813 Property Records

Charlestown Town property record for 89 Surfside Ave, Charlestown, RI 02813

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,710 sqft · built 1940
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$3,525,000 (Nov 2011)
Tax Bill	$29,846 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2019 Refinance
Flood Zone	Zone AE (high risk)
APN	`22-0038-62`

Property Details

APN / Parcel Number

Primary APN	`22-0038-62`
Alternative APNs	`CHAR M:2 L:47` `M:002 B:047`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,710 sqft Living Area
Gross Area	4,834 sqft
1st Floor Area	1,656 sqft
Basement Area	1,736 sqft
Unfinished Basement	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	22-0038-62
Street Address	89 SURFSIDE AVE
City	CHARLESTOWN
State	RI
Zip	02813-1140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2A
Legal Lot Number	47
Jurisdiction	CHARLESTOWN RI
Township / Civil Division	CHARLESTOWN
Census Block Group	3
Census Block	3048
Census Tract	51101

Owner

89 Surfside Ave is owned by two individuals who bought it in November 2011.

Source: Charlestown Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	769 HOLLOW TREE RIDGE RD, DARIEN, CT 06820-2004
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
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO
May 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2011 · Amount on File
Deed Sale	Nov 10, 2011 · Amount on File
Prior Sale	Jan 17, 2007 · Amount on File
Deed Book / Page	361 / 627
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTOWN RI
Recording Date	Jul 15, 2026
Property Address	89 SURFSIDE AVE, CHARLESTOWN, RI 02813-1140
Document Number	0000001042
Book / Page	522 / 1
Instrument Date	Jul 10, 2026
Instrument	20261042
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 SURFSIDE AVE, CHARLESTOWN, RI 02813-1140

Mortgage

Document Number	0000001042,
Date	Jul 15, 2026
Book Page	522/1
Instrument	20261042

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Type Change Date	Aug 1, 2033
Index	1-Month LIBOR
Margin	3
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTOWN RI
Property Address	89 SURFSIDE AVE, CHARLESTOWN, RI 02813-1140
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	FIDELITY NATIONAL TITLE (AKA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	447-583
Date	May 28, 2019
Book Page	447/583
Instrument	1063

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 89 Surfside Ave was $29,846.

Source: Charlestown Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Charlestown Town
Unified School District	Chariho Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$29,846.00	$5,033,100 Land $4,562,600 Building $470,500	$3,455,481
2023	$28,890.00	$5,033,100 Land $4,562,600 Building $470,500

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

Flood

FEMA maps place 89 Surfside Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 282 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	282 in force
Nearby Flood Claims	15 (1998–2021)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Aug 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 9 claims Severe Storms And Flooding, Mar 2010 · 3 claims

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

The area around 89 Surfside Ave 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	QUONOCHONTAUG EAST BEACH WATER ASSOCIATI private · serves 300 people · EPA ID RI1647511
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 ppb (2022–2024) action level 15 ppb
Copper	1.74 mg/L (2022–2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	29 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 239 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

Cell Coverage

5G (outdoors only) and 4G LTE

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