97 Cutler St, Warren, RI 02885 Property Records

Warren Town property record for 97 Cutler St, Warren, RI 02885

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,538 sqft · built 1920
Lot Size	0.127 acres (5,519 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Dec 2016)
Tax Bill	$4,929 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Jun 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`13-0944-08`

Property Details

APN / Parcel Number

Primary APN	`13-0944-08`
Alternative APN	`WARR M:8 L:33`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	23 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,538 sqft Living Area
Gross Area	3,011 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,519 sqft (0.127 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	13-0944-08
Street Address	97 CUTLER ST
City	WARREN
State	RI
Zip	02885-3409
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R6
Legal Lot Number	33
Jurisdiction	WARREN RI
Township / Civil Division	WARREN
Census Block Group	2
Census Block	2012
Census Tract	30500

Owner

Source: Warren Town records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	97 CUTLER ST, WARREN, RI 02885-3409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2016 · Amount on Record
Deed Sale	Dec 21, 2016 · Amount on Record
Prior Sale	Sep 1, 1999 · Amount on Record
Deed Document Number	201619006
Deed Book / Page	917 / 109
Transfer Doc	0323000279
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN RI
Property Address	97 CUTLER ST, WARREN, RI 02885-3409
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001149-130
Date	Jul 18, 2025
Book Page	1149/130
Instrument	37290

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN RI
Property Address	97 CUTLER ST, WARREN, RI 02885-3409
Transaction Type	Mortgage
Record Updated	Jul 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001104-207
Date	Jun 12, 2023
Book Page	1104/207
Instrument	33906

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,929.00 (+9.02%)	$331,000 (-) Land $122,300 Building $208,700
2023	$4,521.00 (+9.76%)	$331,000 (+44.73%) Land $122,300 Building $208,700
2022	$4,119.00	$228,700 Land $110,000 Building $118,700

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 68 policies
Nearby Flood Policies	68 in force
Nearby Flood Claims	34 (1978–2024)
Claims Outside the SFHA	1 of 34
Most Recent Claim	Apr 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims Severe Storms And Flooding, Mar 2010 · 16 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

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	BRISTOL COUNTY WATER AUTHORITY serves 49,000 people · EPA ID RI1647515
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
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	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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
i3 Broadband Cable	2,000 / 40
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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