North Kingstown Town property record for 109 Cottrell Rd, Saunderstown, RI 02874
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 8,983 sqft · built 2018 |
| Lot Size | 9.34 acres (406,850 sqft) |
| Owner | Company Name on Record |
| Last Sale | $9,750,000 (Oct 2024) |
| Tax Bill | $89,661 (2025) |
| Deeds & Mortgages | Jun 2024 Refinance Sep 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | NKIN M:019 B:075 |
| Primary APN | NKIN M:019 B:075 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 16 Rooms |
| Stories | 3 Stories |
| Building Area | 8,983 sqft Living Area |
| Gross Area | 18,537 sqft |
| 1st Floor Area | 3,118 sqft |
| Basement Area | 4,980 sqft |
| Unfinished Basement | 4,980 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 406,850 sqft (9.34 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 81906 |
|---|---|
| Street Address | 109 COTTRELL RD |
| City | SAUNDERSTOWN |
| State | RI |
| Zip | 02874-3412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Block | 75 |
| Jurisdiction | NORTH KINGSTOWN RI |
| Township / Civil Division | NORTH KINGSTOWN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 50402 |
Source: North Kingstown Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 109 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 5, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK RHODE ISLAND |
| Sep 24, 2019 | Deed of Trust, Mortgage · Balloon Mortgage BANK RHODE ISLAND |
| Sep 24, 2019 | Deed of Trust, Mortgage · ARM BANK RHODE ISLAND |
| Jul 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK RHODE ISLAND |
| Jun 12, 2017 | Warranty Deed, Transfer |
| Jun 12, 2017 | Trustee's Deed, Transfer WASHINGTON TR CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2024 · Amount on Record |
| Deed Sale | Oct 1, 2024 · Amount on Record |
| Prior Sale | Jun 12, 2017 · Amount on Record |
| Deed Book / Page | 3654 / 267 |
| Prior Transfer Date | Sep 30, 2024 |
| Prior Transfer Doc | 003654-261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 109 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0003633-43 |
|---|---|
| Date | Jun 5, 2024 |
| Book Page | 3633/43 |
| Instrument | 1648 |
| Name | BANK RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jul 1, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 109 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3223-92 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | 3223/92 |
| Instrument | 4164 |
| Name | BANK RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 109 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3223-70 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | 3223/70 |
| Instrument | 4163 |
| Name | BANK RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Oct 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 109 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3301-240 |
|---|---|
| Date | Jul 15, 2020 |
| Book Page | 3301/240 |
| Instrument | 3547 |
| Name | BANK RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Recording Date | Jun 12, 2017 |
| Property Address | 109 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Document Number | 3054-168 |
| Book / Page | 003054 / 000168 |
| Instrument Date | Jun 12, 2017 |
| Instrument | 2438 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 109 COTTRELL RD SAUNDERSTOWN RI 028743412, SAUNDERSTOWN, RI 02874-3412 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Recording Date | Jun 12, 2017 |
| Property Address | 109 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Document Number | 3054-157 |
| Book / Page | 003054 / 000157 |
| Instrument Date | Jun 9, 2017 |
| Instrument | 2436 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,770.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 COTTRELL RD SAUNDERSTOWN RI 028743412, SAUNDERSTOWN, RI 02874-3412 |
| Document Number | 3054-159 |
|---|---|
| Date | Jun 12, 2017 |
| Book Page | 003054/000159 |
| Instrument | 2437 |
| Name | WASHINGTON TR CO |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 11, 2047 |
Source: North Kingstown Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | North Kingstown Town |
| Unified School District | North Kingstown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $89,661.00 (+137.07%) | $8,121,500 (+207.94%) Land $2,610,700 Building $5,510,800 | $8,838,247 |
| 2023 | $37,820.00 | $2,637,400 Land $1,544,100 Building $1,093,300 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 25 (1978–2024) |
| Claims Outside the SFHA | 7 of 25 |
| Most Recent Claim | May 2024 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF NORTH KINGSTOWN serves 27,732 people · EPA ID RI1559517 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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