232 Cottage St, Pawtucket, RI 02860 Property Records

Pawtucket City property record for 232 Cottage St, Pawtucket, RI 02860

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,202 sqft · built 1900
Lot Size	0.125 acres (5,428 sqft)
Owner	Individual Name on File
Last Sale	$282,000 (Dec 2020)
Tax Bill	$4,905 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PAWT M:20 L:0378`

Property Details

APN / Parcel Number

Primary APN	`PAWT M:20 L:0378`
Alternative APN	`200378`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,202 sqft Living Area
Gross Area	4,513 sqft
1st Floor Area	1,101 sqft
Attic	Attic
Attic Area	1,016 sqft
Basement Area	1,083 sqft
Unfinished Basement	1,083 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,428 sqft (0.125 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	200378
Street Address	232 COTTAGE ST
City	PAWTUCKET
State	RI
Zip	02860-3023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Lot Number	378
Jurisdiction	PAWTUCKET RI
Township / Civil Division	PAWTUCKET
Census Block Group	3
Census Block	3001
Census Tract	16000

Owner

Source: Pawtucket City assessment roll, 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 File
Mailing Address	232 COTTAGE ST, PAWTUCKET, RI 02860-3023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Dec 14, 2020	Warranty Deed, Transfer · FHA Mortgage SHAMROCK HOME LOANS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 14, 2020 · Amount on Record
Deed Sale	Dec 14, 2020 · Amount on Record
Prior Sale	Oct 10, 2001 · Amount on Record
Deed Document Number	202079
Deed Book / Page	4607 / 131
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAWTUCKET RI
Property Address	232 COTTAGE ST, PAWTUCKET, RI 02860-3023
Transaction Type	Mortgage
Record Updated	Apr 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004977-210
Date	Apr 13, 2023
Book Page	4977/210
Instrument	40

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	May 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAWTUCKET RI
Recording Date	Dec 14, 2020
Property Address	232 COTTAGE ST, PAWTUCKET, RI 02860-3023
Document Number	4607-131
Book / Page	4607 / 131
Instrument Date	Dec 10, 2020
Instrument	79
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 CHU KAING DR, CUMBERLAND, RI 02864-5113

Mortgage

Document Number	80
Date	Dec 14, 2020
Instrument	80

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,905.00 (+3.2%)	$373,000 (+32.93%) Land $105,500 Building $267,500
2023	$4,753.00 (+2.17%)	$280,600 (-) Land $61,100 Building $219,500
2022	$4,652.00	$280,600 Land $61,100 Building $219,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 574 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

May also be available: AT&T, T-Mobile USA.

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