178 Cottage Grove Ave, Warwick, RI 02889 Property Records

Warwick City property record for 178 Cottage Grove Ave, Warwick, RI 02889

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1965
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on Record
Tax Bill	$4,017 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jan 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36205690000`

Property Details

APN / Parcel Number

Primary APN	`36205690000`
Alternative APNs	`WARW M:362 B:0569 L:0000` `119820`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	2,051 sqft
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	119820
Street Address	178 COTTAGE GROVE AVE
City	WARWICK
State	RI
Zip	02889-8703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	569
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	5
Census Block	5015
Census Tract	21700

Owner

Source: Warwick City records, as of June 22, 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 Record
Mailing Address	178 COTTAGE GROVE AVE, WARWICK, RI 02889-8703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL ONE CREDIT UNION
Jan 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Mar 26, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 17, 2020
Transfer Doc	009482-239
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	178 COTTAGE GROVE AVE, WARWICK, RI 02889-8703
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010230-241
Date	Oct 24, 2022
Book Page	10230/241
Instrument	14874

Lender

Name	COASTAL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	178 COTTAGE GROVE AVE, WARWICK, RI 02889-8703
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010066-170
Date	Jan 28, 2022
Book Page	10066/170
Instrument	1447

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Mar 26, 2020
Property Address	178 COTTAGE GROVE AVE, WARWICK, RI 02889-8703
Document Number	9482-239
Book / Page	9482 / 239
Instrument Date	Mar 17, 2020
Instrument	4278
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 COTTAGE ST, WARWICK, RI 02886-1338

Mortgage

Document Number	9482-242
Date	Mar 26, 2020
Book Page	9482/242
Instrument	4279

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,017.00 (+4.77%)	$316,300 (+17.06%) Land $103,700 Building $212,600
2024			$226,575
2023	$3,834.00 (+5.42%)	$270,200 (+39.13%) Land $90,100 Building $180,100
2022	$3,637.00	$194,200 Land $58,700 Building $135,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	15 (1978–2018)
Claims Outside the SFHA	4 of 15
Most Recent Claim	Mar 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 5 claims

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WARWICK-CITY OF serves 73,289 people · EPA ID RI1615627
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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