97 Middle St, North Smithfield, RI 02896 Property Records

North Smithfield Town property record for 97 Middle St, North Smithfield, RI 02896

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 3,330 sqft · built 1940
Lot Size	1.33 acres (58,333 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,572 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NSMI M:0003 L:0081`

Property Details

APN / Parcel Number

Primary APN	`NSMI M:0003 L:0081`
Alternative APN	`2782`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,330 sqft Living Area
Gross Area	6,545 sqft
1st Floor Area	1,830 sqft
Attic	Attic
Attic Area	291 sqft
Basement Area	1,808 sqft
Unfinished Basement	1,808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	58,333 sqft (1.33 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2782
Street Address	97 MIDDLE ST
City	NORTH SMITHFIELD
State	RI
Zip	02896-8416
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RU
Legal Lot Number	81
Jurisdiction	NORTH SMITHFIELD RI
Township / Civil Division	NORTH SMITHFIELD
Census Block Group	2
Census Block	2020
Census Tract	12801

Owner

97 Middle St, a duplex, is owned and occupied by two individuals who acquired it in April 2025.

Source: North Smithfield Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	97 MIDDLE ST, NORTH SMITHFIELD, RI 02896-8416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 21, 2026	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Apr 4, 2025	Quit Claim Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2025
Deed Sale	Apr 4, 2025
Prior Sale	Jun 19, 2003 · Amount on File
Deed Document Number	202554172
Deed Book / Page	1015 / 24
Prior Transfer Date	Mar 26, 2025
Prior Transfer Doc	0001015-24
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH SMITHFIELD RI
Recording Date	Jul 21, 2026
Property Address	97 MIDDLE ST, NORTH SMITHFIELD, RI 02896-8416
Document Number	0000056921
Book / Page	1054 / 131
Instrument Date	Jul 16, 2026
Instrument	202656921
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MIDDLE ST, NORTH SMITHFIELD, RI 02896-8416

Mortgage

Document Number	0000056921,
Date	Jul 21, 2026
Book Page	1054/131
Instrument	202656921

Lender

Name	LOANDEPOT.COM LLC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH SMITHFIELD RI
Recording Date	Apr 4, 2025
Property Address	97 MIDDLE ST, NORTH SMITHFIELD, RI 02896-8416
Document Number	0001015-24
Book / Page	1015 / 24
Instrument Date	Mar 26, 2025
Instrument	202554172
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MIDDLE ST, NORTH SMITHFIELD, RI 02896-8416

Mortgage

Document Number	0202554173
Date	Apr 4, 2025
Instrument	202554173

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH SMITHFIELD RI
Property Address	97 MIDDLE ST, NORTH SMITHFIELD, RI 02896-8416
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000854-35
Date	Jun 22, 2020
Book Page	854/35
Instrument	42544

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 97 Middle St was $6,572, down 4% from the year before.

Source: North Smithfield Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	North Smithfield Town
Unified School District	North Smithfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,572.00 (-3.96%)	$571,500 (+23.35%) Land $107,400 Building $464,100	$545,626
2024	$6,843.00 (+3.65%)	$463,300 (-) Land $91,200 Building $372,100
2023	$6,602.00 (+2.44%)	$463,300 (-) Land $91,200 Building $372,100
2022	$6,445.00	$463,300 Land $91,200 Building $372,100

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

Flood

FEMA maps place 97 Middle 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

Wildfire risk around 97 Middle 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 95% of the US · lower than 85% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 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

May also be available: AT&T, T-Mobile.

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