Bristol Town property record for 3 Cross St, Bristol, RI 02809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,504 sqft · built 1996 |
| Lot Size | 0.386 acres (16,814 sqft) |
| Owner | Company Name on Record |
| Last Sale | $699,000 (Oct 2023) |
| Tax Bill | $6,727 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2022 Refinance + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5-1240-12 |
| Primary APN | 5-1240-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,504 sqft Living Area |
| Gross Area | 5,344 sqft |
| 1st Floor Area | 1,736 sqft |
| Basement Area | 1,736 sqft |
| Unfinished Basement | 1,736 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,814 sqft (0.386 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 9209 |
|---|---|
| Street Address | 3 CROSS ST |
| City | BRISTOL |
| State | RI |
| Zip | 02809-2918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Lot Number | 54 |
| Jurisdiction | BRISTOL RI |
| Township / Civil Division | BRISTOL |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 30800 |
Source: Bristol Town records, as of September 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC |
| Dec 20, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jul 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE |
| May 16, 2025 | Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC |
| Oct 30, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE |
| Aug 24, 2023 | Deed, Transfer |
| Oct 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RI CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2023 · Amount on Record |
| Deed Sale | Oct 30, 2023 · Amount on Record |
| Deed Book / Page | 2227 / 156 |
| Prior Transfer Date | Aug 21, 2023 |
| Prior Transfer Doc | 002221-215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002314-124 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 2314/124 |
| Instrument | 2026-544 |
| Name | SWIFT HOME LOANS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002198-109 |
|---|---|
| Date | Dec 20, 2022 |
| Book Page | 2198/109 |
| Instrument | 3722 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002249-179 |
|---|---|
| Date | Jul 8, 2024 |
| Book Page | 2249/179 |
| Instrument | 2024-1437 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002282-104 |
|---|---|
| Date | May 16, 2025 |
| Book Page | 2282/104 |
| Instrument | 2025-1046 |
| Name | SWIFT HOME LOANS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRISTOL RI |
| Recording Date | Oct 30, 2023 |
| Property Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Document Number | 002227-156 |
| Book / Page | 2227 / 156 |
| Instrument Date | Oct 30, 2023 |
| Instrument | 2023-6311 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 3 CROSS ST, LYMAR, RI |
| Document Number | 0020236312 |
|---|---|
| Date | Oct 30, 2023 |
| Instrument | 2023-6312 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | BRISTOL RI |
| Recording Date | Aug 24, 2023 |
| Property Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Document Number | 002221-215 |
| Book / Page | 2221 / 215 |
| Instrument Date | Aug 21, 2023 |
| Instrument | 2023-5773 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRISTOL RI |
| Property Address | 3 CROSS ST, BRISTOL, RI 02809-2918 |
| Document Number | 1958-288 |
| Instrument Date | Oct 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3 CROSS ST BRISTOL RI 028092918, BRISTOL, RI 02809-2918 |
| Document Number | 1958-288 |
|---|---|
| Date | Oct 4, 2018 |
| Book Page | 001958/000288 |
| Instrument | 2932 |
| Name | RI CU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Oct 3, 2030 |
Source: Bristol Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Bristol Town |
| Unified School District | Bristol-Warren Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $6,727.00 (-5.29%) | |
| 2025 | $7,103.00 (+0.69%) | $739,900 (+40.13%) Land $225,200 Building $514,700 |
| 2023 | $7,054.00 (+2.77%) | $528,000 (-) Land $187,600 Building $340,400 |
| 2022 | $6,864.00 | $528,000 Land $187,600 Building $340,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 9 (1983–2010) |
| Claims Outside the SFHA | 1 of 9 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 88% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | BRISTOL COUNTY WATER AUTHORITY serves 49,000 people · EPA ID RI1647515 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026) 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 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| i3 Broadband Cable | 2,000 / 40 |
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