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102 Timber Ridge Rd, Charlestown, RI, 02813

3beds
2baths
1,604sqft
$599,999
$374price/sqft
$3,980/moest. monthly cost
$159,200/yrincome needed

About This Home

Tucked away in a quiet, wooded setting, this lovely 3-bedroom, 2-bathroom ranch offers single-level living with an additional 500 square feet of finished basement area. Situated on a generous 1.66-acre lot, you will enjoy plenty of privacy, fresh air, and nature right in your own backyard under the protection of a new roof. Step inside to discover a home transformed by modern upgrades and beautiful, updated lighting fixtures throughout. The heart of the home is the fully renovated kitchen, boasting stylish finishes and brand new, high-efficiency appliances. On chilly New England evenings, gather in the living area around the cozy wood stove, which provides excellent supplemental heating and unmatched ambiance. The modern upgrades continue into a brand new, fully remodeled full bathroom designed with premium materials. The seamless indoor-outdoor flow leads you to your private, wooded oasis. Outside, the property is elevated by beautiful gardens and landscaping, creating a serene environment for relaxation or outdoor dining. Despite its secluded feel, this home is close to everything Charlestown has to offer. You are just minutes away from gorgeous local beaches, parks, and dining. Families will love the top-rated school district. Whether you are looking for a year-round home or a quiet vacation getaway, this property is a must-see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

9/10
7/10
10/10
Chariho High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Dry Wall,Clapboard,Shingles,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Dishwasher,Dryer,Microwave,Oven/Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Partially Finished,Bath/Stubbed,Bedroom(s),Laundry,Storage Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Wall (Dry Wall),Plumbing (Mixed),Insulation (Ceiling),Ceiling Fan(s)
  • Flooring: Ceramic Tile,Hardwood,Vinyl
  • Fireplace features: None
  • Finished area below ground: 600
  • Finished area above ground: 1,004

Heating & Cooling

  • Heating features: Oil,Baseboard,Forced Water
  • Cooling features: None

Interior Area

  • Total structure area: 1,004
  • Total interior livable area: 1,604 sqft

Property

Details

  • Parcel number: CHARM25L45
  • Other equipment: Wood Stove

Features

  • Patio & porch: Deck

Lot

  • Lot size: 1.66 Acres
  • Features: Wooded

Parking

  • Total spaces: 6
  • Parking features: No Garage,Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Inland Flooding
Hurricane
Ice Storm
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters Across Rhode Island Counties

Fire
Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,033$36,396
Home Insurance *$271$3,252
Property Taxes $287$3,444
Electricity $389$4,675
Total$3,980$47,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,457/yr
40% on housing$119,400/yr
45% on housing$106,133/yr

Rhode Island FAIR Plan Programs

Rhode Island Joint Reinsurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 16,029Commercial: 109
Total Premiums$36.73M
Total Exposure$6.14B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.7%
6.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$374This listing

vs Other Active Listings

Avg $/sqft

ZIP 02813$479
Washington County$617

vs Homes Sold Last Month

Median $/sqft

ZIP 02813$434
Washington County$360

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-05Contingent$599,999
2026-07-21Listed for sale$599,999
2022-01-27Sold$370,000
2021-12-29Pending sale$375,000
2021-12-07Contingent$375,000
2021-11-19Listed for sale$375,000
2021-02-26Listing removed--
2020-04-23Listing removed$2,150
2020-04-17Listed for rent$2,150
2019-04-20Listing removed$1,650
2019-04-17Listed for rent$1,650
1997-11-10Sold$110,000

For Sale by Agent

AgentLane Ceceri Group
BrokerageLane Ceceri Group

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