11 Woodruff St, Narragansett, RI, 02882
About This Home
Ocean views, stunning sunsets, and private association beach access await at this classic Breakwater Village cottage. Take in the salt air and watch the Block Island Ferry pass by from your own backyard. The cottage features an open layout, a spacious attic, a large deck, and an oversized shed, providing ample storage and flexibility. Connected to public water and sewer, this property can be enjoyed as a coastal retreat, investment property, or the foundation for your future vision in one of Narragansett's most beloved waterfront communities.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1960
Materials
- Foundation: Pillar/Post/Pier
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater,Dryer,Microwave,Oven/Range,Refrigerator,Washer
Basement
- Basement: None
Bathroom
- Features: Bath w Shower Stall
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Plumbing (Mixed),Insulation (Unknown)
- Flooring: Vinyl
- Fireplace features: None
- Attic: Attic Storage
- Finished area below ground: 0
- Finished area above ground: 592
Heating & Cooling
- Heating features: Bottle Gas,Forced Air
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 592
- Total interior livable area: 592 sqft
Property
Details
- Parcel number: NARRMM167B162
- Zoning: SZD
Features
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Access,Beach,Flood Insurance,Walk To Water
Lot
- Lot size: 4,878 sqft
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
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Rhode Island Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $6,067 | $72,804 |
| Home Insurance * | $550 | $6,600 |
| Property Taxes | $663 | $7,956 |
| Electricity | $389 | $4,675 |
| Total | $7,669 | $92,028 |
Income You'd Need if You Spent...
Rhode Island FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-11 | Listed for sale | $1,200,000 |
| 2019-08-05 | Sold | $500,000 |
| 2019-08-01 | Pending sale | $500,000 |
| 2019-06-17 | Listed for sale | $500,000 |
View on Zillow