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11 N Shore St, Warwick, RI, 02889

1beds
1baths
750sqft
$469,900
$627price/sqft
$3,542/moest. monthly cost
$141,680/yrincome needed

About This Home

Nestled in a tranquil waterfront setting, this charming 2nd floor loft-style single bedroom offers a serene retreat with expansive dock access, perfect for enjoying leisurely days by the water. The kitchen features nice white cabinets, providing a fresh and bright atmosphere, while a full bath conveniently located on the 1st floor adds practicality to the layout. Large sliding doors open up to a spacious back deck, ideal for outdoor relaxation and entertaining against the stunning backdrop of the bay’s picturesque views. The fenced backyard ensures privacy and a safe space for pets or outdoor activities. With parking available for two vehicles, this property combines comfort and convenience, making it a wonderful place to unwind and enjoy the natural beauty of waterfront living. Whether you’re looking for a peaceful getaway or a cozy home, this cape offers an inviting space tailored for relaxation and enjoyment.

Getting Around

29
WalkingCar-Dependent
25
TransitSome Transit
32
BikeSomewhat Bikeable

Schools

3/10
Oakland Beach SchoolGrades PK-50.3 mi
7/10
Pilgrim High SchoolGrades 9-123.7 mi

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Dry Wall,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Wall (Dry Wall),Plumbing (Mixed),Insulation (Unknown)
  • Flooring: Ceramic Tile,Carpet
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 750

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 750
  • Total interior livable area: 750 sqft

Property

Details

  • Parcel number: WARWM359B0058L0000

Features

  • Patio & porch: Deck
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Access,Dock,Saltwater Front,Walk to Salt Water

Lot

  • Lot size: 3,920 sqft
  • Features: Wooded

Parking

  • Total spaces: 2
  • Parking features: No Garage

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 FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters Across Rhode Island Counties

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 $2,376$28,512
Home Insurance *$226$2,712
Property Taxes $551$6,612
Electricity $389$4,675
Total$3,542$42,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,440/yr
40% on housing$106,260/yr
45% on housing$94,453/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.7%
6.7%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$627This listing

vs Other Active Listings

Avg $/sqft

ZIP 02889$281
Kent County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 02889$306
Kent County$267

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
2026-07-07Listed for sale$469,900
2025-01-15Sold$395,000
2024-12-30Pending sale$399,900
2024-12-18Contingent$399,900
2024-11-14Price change$399,900
2024-10-29Listed for sale$419,900
2024-10-14Listing removed$424,900
2024-09-20Listed for sale$424,900
2024-08-24Listing removed$499,900
2024-08-13Listed for sale$499,900
2001-09-28Sold$108,500
2000-07-03Sold$82,000
1999-04-09Sold$72,000

For Sale by Agent

AgentDan Saffer
BrokeragePVD Properties

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