North Kingstown Town property record for 195 Cottrell Rd, Saunderstown, RI 02874
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,241 sqft · built 1936 |
| Lot Size | 2.76 acres (120,226 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Feb 1998) |
| Tax Bill | $25,019 (2025) |
| Deeds & Mortgages | May 2023 Refinance Jul 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | NKIN M:019 B:077 |
| Primary APN | NKIN M:019 B:077 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,241 sqft Living Area |
| Gross Area | 3,760 sqft |
| 1st Floor Area | 1,536 sqft |
| Attic | Attic |
| Attic Area | 420 sqft |
| Basement Area | 1,169 sqft |
| Unfinished Basement | 1,169 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 120,226 sqft (2.76 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 61910 |
|---|---|
| Street Address | 195 COTTRELL RD |
| City | SAUNDERSTOWN |
| State | RI |
| Zip | 02874-3412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Block | 77 |
| Jurisdiction | NORTH KINGSTOWN RI |
| Township / Civil Division | NORTH KINGSTOWN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 50402 |
195 Cottrell Rd is owned and occupied by an individual who bought it in February 1998.
Source: North Kingstown Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 195 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| 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 |
|---|---|
| May 1, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jul 22, 2019 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 1998 · Amount on File |
| Deed Sale | Feb 23, 1998 · Amount on File |
| Prior Sale | Feb 23, 1998 · Amount on File |
| Deed Book / Page | 1084 / 194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 195 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003569-116 |
|---|---|
| Date | May 1, 2023 |
| Book Page | 3569/116 |
| Instrument | 1267 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH KINGSTOWN RI |
| Property Address | 195 COTTRELL RD, SAUNDERSTOWN, RI 02874-3412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3207-21 |
|---|---|
| Date | Jul 22, 2019 |
| Book Page | 3207/21 |
| Instrument | 2974 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 195 Cottrell Rd was $25,019.
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 | $25,019.00 | $2,266,200 Land $1,829,600 Building $436,600 | $1,617,666 |
| 2023 | $19,749.00 | $1,377,200 Land $1,050,100 Building $327,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Cottrell Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 195 Cottrell Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 85% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 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 6 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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