Warwick City property record for 89 Terrace Ave, Warwick, RI 02889
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,752 sqft · built 1938 |
| Lot Size | 0.166 acres (7,220 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,192 (2025) |
| Deeds & Mortgages | Feb 2022 Refinance May 2018 Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 33603080000 |
| Primary APN | 33603080000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,752 sqft Living Area |
| Gross Area | 4,722 sqft |
| 1st Floor Area | 1,648 sqft |
| Basement Area | 1,030 sqft |
| Unfinished Basement | 814 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,220 sqft (0.166 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 104343580 |
|---|---|
| Street Address | 89 TERRACE AVE |
| City | WARWICK |
| State | RI |
| Zip | 02889-4015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A40 |
| Legal Block | 308 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 21501 |
Source: Warwick City records · APN 33603080000
Assessment roll updated June 22, 2026 · Last verified June 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 | 89 TERRACE AVE, WARWICK, RI 02889-4015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANKNEWPORT |
| May 09, 2018 | Deed of Trust, Mortgage RI CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 89 TERRACE AVE, WARWICK, RI 02889-4015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 010076-178 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 10076/178 |
| Instrument | 2195 |
| Name | BANKNEWPORT |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 89 TERRACE AVE, WARWICK, RI 02889-4015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9046-332 |
|---|---|
| Date | May 09, 2018 |
| Book Page | 9046/332 |
| Instrument | 6079 |
| Name | RI CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | May 01, 2028 |
Source: Warwick City records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Warwick City |
| Unified School District | Warwick School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,192.00 (+23.73%) | $645,000 (+38.23%) Land $109,300 Building $535,700 | |
| 2024 | $562,875 | ||
| 2023 | $6,621.00 (-0.14%) | $466,600 (+31.81%) Land $95,000 Building $371,600 | |
| 2022 | $6,630.00 | $354,000 Land $59,900 Building $294,100 |
Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 99 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 99 in force |
| Nearby Flood Claims | 109 (1978–2023) |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 263 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WARWICK-CITY OF serves 73,289 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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