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117 Cottage St, Woonsocket, RI 02895 Property Records

Woonsocket City property record for 117 Cottage St, Woonsocket, RI 02895 · Last verified June 2026

Property Highlights

Property TypeResidential > Multi-Unit > Duplex
Bedrooms5 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 1948
Square Footage1,664 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$248,000 (2018)
Tax Bill$4,466.00 (2025)

Property Details

APN / Parcel Number

Primary APN2444580
Alternative APN
  • WOON M:23H L:281 U:2

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Total Rooms8 Rooms
Units2 Units
Building Area1,664 sqft Living Area
Gross Area3,604 sqft Gross Area
1st Floor1,116 sqft 1st Floor
Basement Area876 sqft Basement
Unfinished Basement876 sqft Unfinished
Stories2 Stories

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1948
Architectural StyleOther Style
Exterior MaterialWood Siding Exterior
Construction TypeFrame Construction
Roof ConstructionGable Roof Construction
Roof MaterialAsphalt Roof
Lot Area6,098 sqft (0.14 acres)
Garage TypeBasement Garage
Deck AreaDeck Area

Utilities and HVAC

Heating SystemHot Water Heating
Heating FuelOil Heating Fuel

Location & Zoning

Account Number2444580
Street Address117 COTTAGE ST
CityWOONSOCKET
StateRI
Zip02895-5378
Property UsageResidential Property Usage
TypeResidential > Multi-Unit > Duplex
Legal Lot Number281
JurisdictionWOONSOCKET RI
Minor Civil DivisionWOONSOCKET
Census Blockgroup2
Census Block2001
Census Tract17800

Owner

Source: Woonsocket City records · APN 2444580

Assessment roll updated June 22, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address117 COTTAGE ST, WOONSOCKET, RI 02895-5378
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PENNYMAC LOAN SERVICES LLC
Jun 08, 2023Deed of Trust, Mortgage · Stand Alone Refinance
NAVIGANT CREDIT UNION
Apr 28, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
SHAMROCK HM LNS
May 03, 2018Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
SHAMROCK FINANCIAL CORP
Oct 23, 2017Executor's Deed, Transfer
ATLANTIC HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 03, 2018 · Amount on Record
Deed SaleMay 03, 2018 · Amount on Record
Prior SaleOct 23, 2017 · Amount on Record
Deed Doc Number2018194418
Deed Book / Page2356 / 165
Record RefreshedSep 20, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWOONSOCKET RI
Property Address117 COTTAGE ST, WOONSOCKET, RI 02895-5378
Transaction TypeMortgage
Record UpdatedJul 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002660-266
DateSep 10, 2021
Book Page2660/266
Instrument216864
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWOONSOCKET RI
Property Address117 COTTAGE ST, WOONSOCKET, RI 02895-5378
Transaction TypeMortgage
Record UpdatedJul 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002810-340
DateJun 08, 2023
Book Page2810/340
Instrument227924
Lender
NameNAVIGANT CREDIT UNION
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term85 Months
DueJul 01, 2030

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWOONSOCKET RI
Property Address117 COTTAGE ST, WOONSOCKET, RI 02895-5378
Document Number2525-296
Instrument DateApr 28, 2020
Transaction TypeMortgage
Record UpdatedJun 28, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address117 COTTAGE ST WOONSOCKET RI 028955378, WOONSOCKET, RI 02895-5378

Mortgage

Document Number2525-296
DateMay 04, 2020
Book Page002525/000296
Instrument7265
Lender
NameSHAMROCK HM LNS
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 03, 2050

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWOONSOCKET RI
Recording DateMay 03, 2018
Property Address117 COTTAGE ST, WOONSOCKET, RI 02895-5378
Document Number002356-165
Book / Page2356 / 165
Instrument194418
Transaction TypeTransfer
Record UpdatedSep 06, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$34.16
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023560167
DateMay 03, 2018
Instrument02356/0167
Lender
NameSHAMROCK FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 03, 2048

October 2017: Executor's Deed, Transfer

Document TypeExecutor's Deed
JurisdictionWOONSOCKET RI
Recording DateOct 23, 2017
Property Address117 COTTAGE ST, WOONSOCKET, RI 02895-5378
Document Number2317-244
Book / Page002317 / 000244
Instrument DateOct 20, 2017
Instrument191236
Transaction TypeTransfer
Record UpdatedNov 07, 2017

Transaction

AmountAmount Recorded
Tax$89.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address117 COTTAGE ST WOONSOCKET RI 028955378, WOONSOCKET, RI 02895-5378

Mortgage

Document Number2317-246
DateOct 23, 2017
Book Page002317/000246
Instrument191237
Lender
NameATLANTIC HM LOANS
TypeFunding / Finance Company
Agreement
AmountAmount Recorded
Term360 Months
DueOct 22, 2047

Tax Assessment & Valuation

Source: Woonsocket City records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateRhode Island
MunicipalityWoonsocket City
Unified School DistrictWoonsocket School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$4,466.00 (+16.3%)$397,700 (+44.78%) Land $105,400 Building $292,300
2023$3,840.00$274,700 (-) Land $93,500 Building $181,200
2022$3,840.00$274,700 Land $93,500 Building $181,200

Flood & Wildfire

117 Cottage St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · County delivery 44007C updated June 22, 2026

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release

Listed AreaWithin Blackstone Canal (Boundary Increase)
listed 1991 · 8 contributing resources · NRIS 91001536

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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