165 Cottage St, Warwick, RI 02886 Property Records

Warwick City property record for 165 Cottage St, Warwick, RI 02886

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 920 sqft · built 2023
Owner	Individual Name on File
Tax Bill	$4,255 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148630`

Property Details

APN / Parcel Number

Primary APN	`148630`
Alternative APN	`WARW M:278 B:0038 L:0002`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	920 sqft Living Area
Gross Area	1,928 sqft
Basement Area	460 sqft
Unfinished Basement	460 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Condo/Apartment

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	148630
Street Address	165 COTTAGE ST
City	WARWICK
State	RI
Zip	02886-1335
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	38
Legal Lot Number	2
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	1
Census Block	1008
Census Tract	22100

Owner

Source: Warwick City assessment roll, APN 148630, as of 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 Record	Individual Name on File
Mailing Address	165 COTTAGE ST, WARWICK, RI 02886-1335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Recording Date	Apr 10, 2026
Property Address	165 COTTAGE ST, WARWICK, RI 02886-1335
Document Number	0010870-85
Book / Page	10870 / 85
Instrument Date	Apr 06, 2026
Instrument	20263731
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 COTTAGE ST, WARWICK, RI 02886-1335

Mortgage

Document Number	0000003731,
Date	Apr 10, 2026
Book Page	10870/85
Instrument	20263731

Lender

Name	BAYCOAST MORTGAGE COMPANY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

Source: Warwick City assessment roll as of June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Warwick City
Unified School District	Warwick School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$4,255.00	$335,000 Building $335,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44003C, as of December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440030221001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2006–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 198 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system RI1615627, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WARWICK-CITY OF serves 73,289 people
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them. The full violation and enforcement history is in the system's EPA record.