The instrument's own words
page 1
Know all men by these presents, that whereas, that one Hugh Mernyn Married
and Barbara in Narrashaw of the town of Charlestown in the county of Washington
and State of Rhode Island (hereinafter called the mortgagors), in consideration of
Brighton hundred dollars to be paid by the National Bank of Pawtucket,
a corporation duly established under the laws of the United States of America and
having its usual place of business in the city of Pawtucket, Providence county, in Federal
Land Bank District, Providence (hereinafter called the mortgagee) the receipt
whereof is hereby acknowledged, do hereby grant, give, bargain sell, and convey
unto the said mortgagees and its successors and assigns forever, all that land
with the buildings and improvements thereon, situate in the town of Charlestown
in the county of Washington in the State of Rhode Island in said District Number
One. That part containing ten (10) acres or parcels of land with all the buildings and
other improvements thereon, situated on both sides of Shermanmore road,
in the town of Charlestown in the State of Rhode Island, and bounded and
described as follows: The first part is bounded southerly on a highway,
Westerly on said Shermanmore road and southerly on a highway, easterly
partly on land owned or formerly of heirs of Benjamin Parish widow, partly on land
now or formerly of heirs of Mary Parish, partly on land now or formerly of
Charles Burnside and southerly on other land now or formerly of John
Charles Burnside to append to aforesaid highway. The second part is bounded southerly
on a highway, Easterly on Shermanmore Road, northerly on land now or
formerly of heirs of Thomas B. Moore in part and on land now or formerly of
Mary Page in part and westerly on land now or formerly of William C. Butler
or heirs of Thomas Moore the donor. Said premises being the same as were conveyed
to the party of the first part hereby by deed delivered simultaneously herewith; this
mortgage being a hundred month mortgage given to secure a portion of the
consideration mentioned in said deed. And now therefore and also to the damage
premises with all the buildings and improvements thereon to belong unto
and to the use of the said mortgagee and its successors and assigns forever,
And one the said mortgagors, do hereby for themselves and for all being executors
and administrators, covenant with the said mortgagee and its successor and
assigns that the same are lawfully and in fee simple of the said grantor premises
that the same are free for all encumbrances that may have good right, full
power and lawful authority to sell and convey the same to the mortgagee as
aforesaid; that the said mortgagee and its successors and assigns shall by
these presents at all times lawfully, peaceably and quietly have and enjoy the
said premises quiet and free the said mortgagors with and on their heirs,
executors and administrators shall defend and defend the same to the said
mortgagee and its successors and assigns against the lawful claims
and demands of all persons. And for the consideration aforesaid Hugh
Mernyn Narrashaw and Barbara in Narrashaw do hereby release all our right
of owner and possessor in and the said granted premises unto the said
mortgagee and its successors and assigns forever. Provided nevertheless
page 2
300 and this conveyance is made upon the following conditions, that if the said
mortgagors or their heirs, executors, administrators or assignees shall not pay
the said mortgagee or its successors or assignees, the sum of eighteen hundred
dollars with interest thereon at the rate of 5% per centum per annum, in
accordance with the terms of a negotiable promissory note made by the
said mortgagors bearing same date with these presents and made payable to
the order of said mortgagee, wherein both principal and interest are
made payable in 72 semi-annual payments on an amortization
scale as therein recorded, all such payments to bear interest at the
rate of five per centum (5%) per annum until paid; provided, however,
that after one year from the date hereof the said mortgagors, their heirs,
executors, administrators or assignees, without any regular installment
date may make additional payments for the reduction of the
principal of the mortgage debt or may pay the entire principal of
the mortgage debt then remaining due shall also pay all taxes
and assessments of every kind, lawfully levied, charged or assessed when or in
respect of said leased premises or any other interest therein, or on the
debt secured hereby, shall attend and readily provide for the purposes set forth
in the application for this loan, heretofore filed with said Bank. The
whole of said farm received by the mortgagors as consideration for this
mortgage, shall work the following promises described in a good and due
suitable manner, shall not demolish or cease to use said premises
to form house premises, shall keep the building thereon in good repair and
not allow them to become vacant or unsightly, shall not remove or demolish
any part of said building shall not cut or remove wood or timber
from said premises except for domestic use, and shall not commit any
nuisance, strip or remove any part of the granite premises or breach any of my
covenants herein contained; if the whole debt or any part thereof remaining unpaid,
shall become and be absolutely void to all intents and purposes whatever.
But if default shall be made in the payment of any of said interest or
semi-annual payment at the time or times then and in the manner aforesaid,
or of the taxes, liens or assessment aforesaid at the same time or
of any or either of them, or of any part thereof, or of any breach shall be made
of the covenant for insurance deposits contained or of any other condition
or covenant of this mortgage then it shall be lawful for the said mortgagee, its
successors or assigns, to sell, together or in parcels all or part of the
premises hereby granted, mortgaged or conveyed to any part thereof,
and the benefit and equity of redemption of the said mortgagors and their heirs,
executors, administrators and assigns thereof at public auction upon the
premises, and to bid for and become the sole owner and purchaser of any such
sale (and one or other purchaser or purchasers shall be indemnified for the application
of the money), first giving notice of the time and place of sale by
posting the same at least once each month for three successive months in
page 3
some public newspaper published in the city of Providence, said State with
power to adjourn such sale from time to time, provided that the publishing of said
notices shall be continued, together with a notice of the adjournment or adjournment,
at least once each week in the same newspaper, and in its or their own name
or names or as the attorney or attorney of the said mortgagee. (For that purpose
by their presents duly authorized and appointed with full power of substitution
and revocation.) It makes receipt and delivery to the purchaser at
such sale a good and sufficient deed of lease and deed of absolute fee simple,
and to receive the proceeds of such sales unless, and from such proceeds to retain
all sums then due secured, whether the same be or due to the trustee then, or on the part
thereof their remaining unpaid, and also the interest thereon due on the same,
together with all expenses incident to such sale, or selling for making deeds,
sheriffs, and for fees of counsel and attorneys, and all costs or expenses
incurred in the execution of said process, and all taxes liens, assessments
and insurance on premises advance by trustee then, if either these be unpaid by the said
mortgagor its successors or assigns, or then the remaining unpaid, upon said
granted premises, reserving and paying the surplus of said proceeds of sale,
if any, after the same and also the amounts so to be retained as aforesaid, together
with other and his distribution account of such sale or sales, office fees and
charges to the said mortgagee their heirs executors administrators or assigns,
which sale or sales more aforesaid shall be a perpetual bar both in
law and equity against the said mortgagor their heirs executors administrators
and assigns and all persons claiming said premises, as sold, by form
or under them or any of them.) And it is expressly understood and agreed
that in case of default in the payment of any sum of money or rental demise
payments hereby secured, or in law of default in the performance or observance
of any covenant expressed herein a tribute on the part of the said mortgagor,
their heirs executors or administration to be performed or observed, the whole
of said install payments of principal hereby prayed be made immediately,
due and payable at the option of the said mortgagee, its successors or
assigns, by a note in writing that said effect delivered to the said mortgagor,
or their heirs administrators or assigns or deposited in the mail.
Mortgage paid, addressed to them or to their executors administrators or assigns
at their or their last known place of residence or business or office. And we the said
mortgagors for ourselves and for our heirs, executors administrators and
assigns, hereby covenant with the said mortgagee and its successors and
assigns, that we and they will upon request execute such deed or deed
confirming of said premises sale or sales as may be required. And
furthermore, we the said mortgagors for ourselves and for our heirs
executors administrators and assigns, hereby covenant with the said mortgagee
and its successors and assigns, that insurance against loss by fire and
other casualties and contingencies when required by the holder hereof
shall be kept and maintained on the buildings on the premises aforesaid
page 4
302
in a sum and form and with companies always satisfactory to the
to the mortgagee its successors or assigns all policies on the property
to be for the benefit of and paid payable in or care of lunar to and kept
away deposits with the said mortgagee its successor or assigns, which
policies, in the event of purchase of this mortgage, shall become the
property of and belong to the said mortgagee, its successor and assigns,
with full authority as attorney irrevocable of the mortgagee on houses,
executors, administrators etc assign to assign and dispose of the same
in its discretion and in behalf thereof hereby agree that the said
mortgagee or its successor or assigns may effect such insurance in the
value of our said mortgage out of our breach and assigns, payable in
care of lunar to the said mortgagee and its successor assigns, and
that the premiums or premiums paid therefore shall be a further charge
upon said granted premises secured by these presents said debt shall be payable
in demands with interest at the rate of six per centum (6%) per annum, and
in case of default or by any other due all taxes, liens, and assessments
hereby agree that the said mortgagee, its successors or assigns may pay
the same and add the amount so paid, including all costs and expenses
connects therewith, to the amount of the note secured hereby, and the
amount so paid shall be a further charge upon said granted premises
secured by this mortgage and shall be payable on demand with interest at the
rate of six per centum (6%) per annum, and in case of the said mortgagee
shall receive insurance money, coming from fire on said buildings,
hereby agree that the same may at the option of the mortgagee be applied
either to the payment of the mortgage debt or until such debt is paid, or
on or be paid for either totally or in part to us the mortgagees on
behalf or actions to repair or replace the buildings so destroyed, without
affecting this amount insured hereby further declare before such
damage by fire, or such eventment ever took place. And further hereby
covenant agree that the stock within the mortgage in the
stock held as a collateral to the debt hereby secured and being in amount
50% thereof, shall vest in our after acquire title to the herein described
premises subject to this mortgage, and that in the event of the foreclosure
of this mortgage, the said stock shall be confiscated and the value thereof
together with all dividends or other acccomathes thereon, applied in
reduction of the debt hereby secured. This mortgage is subject to
the provisions of the Federal Land loan Act" approved July 17, 1916.
In witness whereof, we have hereunto set our hands and seals this
7th day of December in the year of our lord one thousand nine hundred and
twenty eight.
Signed and sealed in presence of
Secondo M. Prall
Hugh Morrison Warnock L.S.
Barbara M. Warnock L.S.
page 5
State of Rhode Island 303
County of Providence S.S.
On Providence on the 7th day of November A.D. 1928 before me personally
appeared Hugh Morrison Warnock and Barbara M. Warnock to me known and
known by me to be the parties executing the foregoing instrument and acknowledged
said instrument by them executed, to be their file act and deed.
Rolande La Ball
Notary Public
my commission expires June 30, 1931
Recorded for record Nov 8, 1928 at 10:10 o'clock AM
and entered by George B. Bonner, Town Clerk
For partial discharge see page 416
For discharge see Book 26. Page 204.
We Hugh J. Fitzpatrick and Mary E. Fitzpatric husband and wife
of South Kingstown, Washington county, Rhode Island, for consideration
paid, grant to Catherine King and Francis King husband and wife
of the City of Baltimore State of Maryland, as joint tenants and not
tenants in Common, with warranty covenant, a certain farm with residuals
in the town of Charlestown in said county of Washington, containing
eighty (80) acres more or less with a dwelling house and other buildings
thereon and is bounded as follows: on the North by Pawtucket River, on the
East boundary by land of Christina Mills heirs, westerly by land of mill of
P. Woodhouse and partly by land formerly of John Money, on the South by
land formerly of Hospital Lutheran deacon and on the West by said river,
also a boot of land situated in said Charlestown containing twenty
two (22) square rods more or less and bounded as follows: commencing
at a stone post on the East side of said road from the southeast corner
of said north hue land and running easterly bounded northerly by lane
of said boundary hue, land of Christina mills, and land formerly of William
Foster estate either corner a lane or division. thence southerly thirty
(30) feet or there with it comes to a stone post at or near the Southwest
corner of land of Millard L. Tucker, bounded on the East by said lane
The page as recorded
