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Single Family ResidenceResidential
$565,403$292 / 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 93How 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

642 RIVER RD

LINCOLN, RI 02865
3
Beds
1.5
Baths
1,937 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.
0.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$565K
$525K low$606K high
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.$358,903
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$287,122
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.37%
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.$206,500
FAIRWAY INDEPENDENT MORTGAGE CORP · R · recorded Feb 20, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,195 (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.$532,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$192,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$340,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$378,400

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.46
40
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
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.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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.Cape Cod
CountyPROVIDENCE
Lot (acres)The size of the land the home sits on, from county records.0.80
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(3)

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.No

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

642 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 76% of homes in Providence County
  • Costs less per square foot than 77% of homes in Lincoln 02865
  • Bigger than 67% of homes in Providence County
  • Has a bigger lot than 87% of homes in Providence County
  • Older than 80% of homes in Lincoln 02865

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
$272K$1.4M

This home is worth more than 49% 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$565,403
CheaperTypical $572,246Pricier

Pricier than 49% of homes nearby

Price per ft²$292
CheaperTypical $332Pricier

Pricier than 23% of homes nearby

Living area1,937 ft²
SmallerTypical 1,748 ft²Bigger

Bigger than 58% of homes nearby

Lot size0.8 ac
SmallerTypical 0.46 acBigger

Bigger than 70% of homes nearby

Year built1948
OlderTypical 1972Newer

Newer than 20% of homes nearby

How 642 River Rd ranks against every home in each area.
MeasureThis homeLincoln 02865Providence County
Estimated valuepricier than$565,40349% of homes76% of homes
Price per ft²pricier than$29223% of homes33% of homes
Living areabigger than1,937 ft²58% of homes67% of homes
Lot sizebigger than0.8 ac70% of homes87% of homes
Year builtnewer than194820% of homes44% of homes

About 642 River Rd

How much is 642 River Rd, Lincoln, RI worth?

The TopHap Estimate for 642 River Rd, Lincoln, RI is $565,403 as of Jul 14, 2026. The likely range is $525,272 to $605,534. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 642 River Rd, Lincoln, RI last sell?

642 River Rd, Lincoln, RI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 642 River Rd, Lincoln, RI?

642 River Rd, Lincoln, RI has 3 bedrooms, 1.5 bathrooms, 1,937 square feet of living space and a 0.80-acre lot.

When was 642 River Rd, Lincoln, RI built?

642 River Rd, Lincoln, RI was built in 1948, making it 78 years old. It is a cape cod home. The building has 2 stories.

What schools serve 642 River Rd, Lincoln, RI?

642 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 642 River Rd, Lincoln, RI compare to other homes in Lincoln 02865?

Among the 6,237 homes in Lincoln 02865, it is worth more than 49% of them ($565,403 against a typical $572,246), its price per square foot is higher than 23% of them ($292 against a typical $332), it is bigger than 58% of them (1,937 ft² against a typical 1,748 ft²), its lot is bigger than 70% of them (0.8 ac against a typical 0.46 ac) and it is newer than 20% of them (1948 against a typical 1972). Measured against all of Providence County, it is worth more than 76% 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 642 River Rd, Lincoln, RI?

The 2025 property tax bill for 642 River Rd, Lincoln, RI was $7,195. The county assessed it at $532,200.

Closest homes

More homes in Lincoln 02865

Assigned schools

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