West Warwick Town property record for 92 Harding St, West Warwick, RI 02893
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,503 sqft · built 1950 |
| Lot Size | 0.211 acres (9,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Jul 2017) |
| Tax Bill | $4,377 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Aug 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-0489-99 |
| Primary APN | 16-0489-99 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,503 sqft Living Area |
| Gross Area | 2,757 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,204 sqft (0.211 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 16-0489-99 |
|---|---|
| Street Address | 92 HARDING ST |
| City | WEST WARWICK |
| State | RI |
| Zip | 02893-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-8 |
| Jurisdiction | WEST WARWICK RI |
| Township / Civil Division | WEST WARWICK |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20400 |
92 Harding St is owned and occupied by two individuals who bought it in July 2017.
Source: West Warwick Town 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 File |
|---|---|
| Mailing Address | 92 HARDING ST, WEST WARWICK, RI 02893-2413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 5, 2025 | Deed of Trust, Mortgage · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Aug 27, 2025 | Deed of Trust, Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| May 4, 2022 | Deed of Trust, Mortgage · Line of Credit HOME LOAN AND INVESTMENT BANK FSB |
| Jan 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC |
| Apr 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2017 · Amount on File |
| Deed Sale | Jul 3, 2017 · Amount on File |
| Prior Sale | Sep 15, 2006 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 92 HARDING ST, WEST WARWICK, RI 02893-2413 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0024904212 |
|---|---|
| Date | Nov 5, 2025 |
| Instrument | 2490-4212 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.13% |
| Type Change Date | Jan 1, 2031 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 92 HARDING ST, WEST WARWICK, RI 02893-2413 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0024903248 |
|---|---|
| Date | Aug 27, 2025 |
| Instrument | 2490-3248 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 92 HARDING ST, WEST WARWICK, RI 02893-2413 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024872236 |
|---|---|
| Date | May 4, 2022 |
| Instrument | 2487-2236 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 92 HARDING ST, WEST WARWICK, RI 02893-2413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002487530 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 2487-530 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST WARWICK RI |
| Property Address | 92 HARDING ST, WEST WARWICK, RI 02893-2413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24862124 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2486-2124 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
The 2025 property tax bill for 92 Harding St was $4,377.
Source: West Warwick Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | West Warwick Town |
| Unified School District | West Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,377.00 | $306,300 Land $87,100 Building $219,200 | $393,965 |
| 2023 | $4,468.00 | $243,900 Land $71,200 Building $172,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 92 Harding St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025
| 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 risk around 92 Harding St is low, with less than a 0.01% annual chance of 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 383 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 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures