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Single Family ResidenceResidential
$513,157$259 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $275,000 on Jan 3, 2006

640 RIVER RD

LINCOLN, RI 02865
3
Beds
2
Baths
1,978 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.84 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$513K
$494K low$532K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$275,000 · Jan 3, 2006
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$279,158
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$223,326
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.42%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$233,999
NAVIGANT CU · recorded Mar 10, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,385 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$472,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$192,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$279,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$367,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.31
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
44
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyPROVIDENCE
Lot (acres)The size of the land the home sits on, from county records.0.84
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lincoln Central Elementary SchoolA-
Elementary · Grades KG–5 · 1.0 mi
H
Lincoln Senior High SchoolA
High · Grades 9–12 · 1.6 mi
M
Lincoln Middle SchoolB+
Middle · Grades 6–8 · 2.5 mi

District: Lincoln School District

Neighborhood · ZIP 02865These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.56
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.109
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.63

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.18,892
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,087 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$106,651
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$126,269
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 68% of homes in Providence County
  • Costs less per square foot than 92% of homes in Lincoln 02865
  • Bigger than 68% of homes in Providence County
  • Has a bigger lot than 87% of homes in Providence County
  • Newer than 69% of homes in Providence County

What homes are worth in Lincoln 02865

Each bar is how many homes fall in that price range. The marker is this home.

This home
$273K$1.5M

This home is worth more than 37% of homes in Lincoln 02865.

How it measures up in Lincoln 02865

The dot is this home. The mark in the middle is the typical home in Lincoln 02865.

Estimated value$513,157
CheaperTypical $573,482Pricier

Pricier than 37% of homes nearby

Price per ft²$259
CheaperTypical $333Pricier

Pricier than 8% of homes nearby

Living area1,978 ft²
SmallerTypical 1,752 ft²Bigger

Bigger than 59% of homes nearby

Lot size0.84 ac
SmallerTypical 0.46 acBigger

Bigger than 71% of homes nearby

Year built1972
OlderTypical 1972Newer

Newer than 50% of homes nearby

How 640 River Rd ranks against every home in each area.
MeasureThis homeLincoln 02865Providence County
Estimated valuepricier than$513,15737% of homes68% of homes
Price per ft²pricier than$2598% of homes16% of homes
Living areabigger than1,978 ft²59% of homes68% of homes
Lot sizebigger than0.84 ac71% of homes87% of homes
Year builtnewer than197250% of homes69% of homes

About 640 River Rd

How much is 640 River Rd, Lincoln, RI worth?

The TopHap Estimate for 640 River Rd, Lincoln, RI is $513,157 as of Jul 14, 2026. The likely range is $494,333 to $531,981. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 River Rd, Lincoln, RI last sell?

640 River Rd, Lincoln, RI last sold on Jan 3, 2006 for $275,000, according to the county's recorded deed.

How big is 640 River Rd, Lincoln, RI?

640 River Rd, Lincoln, RI has 3 bedrooms, 2 bathrooms, 1,978 square feet of living space and a 0.84-acre lot.

When was 640 River Rd, Lincoln, RI built?

640 River Rd, Lincoln, RI was built in 1972, making it 54 years old. It is a ranch home. The building has 1 story.

What schools serve 640 River Rd, Lincoln, RI?

640 River Rd, Lincoln, RI is assigned to Lincoln Central Elementary School (elementary), rated A-; Lincoln Senior High School (high), rated A; Lincoln Middle School (middle), rated B+. All sit in Lincoln School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 River Rd, Lincoln, RI compare to other homes in Lincoln 02865?

Among the 6,237 homes in Lincoln 02865, it is worth more than 37% of them ($513,157 against a typical $573,482), its price per square foot is higher than 8% of them ($259 against a typical $333), it is bigger than 59% of them (1,978 ft² against a typical 1,752 ft²), its lot is bigger than 71% of them (0.84 ac against a typical 0.46 ac) and it is newer than 50% of them (1972 against a typical 1972). Measured against all of Providence County, it is worth more than 68% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 River Rd, Lincoln, RI?

The 2025 property tax bill for 640 River Rd, Lincoln, RI was $6,385. The county assessed it at $472,300.

Closest homes

More homes in Lincoln 02865

Assigned schools

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