Central Falls City property record for 164 Cottage St, Central Falls, RI 02863
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 9 bd · 3 ba · 3,696 sqft · built 1900 |
| Lot Size | 0.129 acres (5,637 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Jun 2020) |
| Tax Bill | $6,894 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-0151-01 |
| Primary APN | 24-0151-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 18 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,696 sqft Living Area |
| Gross Area | 5,072 sqft |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,232 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Multi-Family |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,637 sqft (0.129 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 24-0151-01 |
|---|---|
| Street Address | 164 COTTAGE ST |
| City | CENTRAL FALLS |
| State | RI |
| Zip | 02863-1440 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | R-2 |
| Jurisdiction | CENTRAL FALLS RI |
| Township / Civil Division | CENTRAL FALLS |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 10900 |
164 Cottage St, a residential property, is owned and occupied by an individual who bought it in June 2020.
Source: Central Falls City records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 164 COTTAGE ST, CENTRAL FALLS, RI 02863-1440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jun 25, 2020 | Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2020 · Amount on File |
| Deed Sale | Jun 25, 2020 · Amount on File |
| Prior Sale | Apr 27, 2015 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CENTRAL FALLS RI |
| Property Address | 164 COTTAGE ST, CENTRAL FALLS, RI 02863-1440 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2024 |
| Name | Verified Name |
|---|
| Document Number | 001065-289 |
|---|---|
| Date | Dec 19, 2023 |
| Book Page | 1065/289 |
| Instrument | 1622 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CENTRAL FALLS RI |
| Property Address | 164 COTTAGE ST, CENTRAL FALLS, RI 02863-1440 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001030-275 |
|---|---|
| Date | May 2, 2022 |
| Book Page | 1030/275 |
| Instrument | 655 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CENTRAL FALLS RI |
| Recording Date | Jun 25, 2020 |
| Property Address | 164 COTTAGE ST, CENTRAL FALLS, RI 02863-1440 |
| Document Number | 0000979-51 |
| Book / Page | 979 / 51 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 881 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000000882 |
|---|---|
| Date | Jun 25, 2020 |
| Instrument | 882 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 164 Cottage St was $6,894.
Source: Central Falls City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Central Falls City |
| Unified School District | Central Falls School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,894.00 | $521,900 Land $107,700 Building $414,200 |
| 2023 | $6,353.00 (+6.24%) | $342,500 (-) Land $80,600 Building $261,900 |
| 2022 | $5,980.00 | $342,500 Land $80,600 Building $261,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 164 Cottage St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
The area around 164 Cottage St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 999 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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