36 Cottage St, Bristol, RI 02809 Property Records

Bristol Town property record for 36 Cottage St, Bristol, RI 02809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,238 sqft · built 1956
Lot Size	0.188 acres (8,189 sqft)
Owner	Trust Name on Record
Last Sale	$249,900 (Jan 2012)
Tax Bill	$5,078 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BRIS M:20 L:30`

Property Details

APN / Parcel Number

Primary APN	`BRIS M:20 L:30`
Alternative APN	`1411`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,238 sqft Living Area
Gross Area	2,827 sqft
1st Floor Area	884 sqft
Attic	Attic
Attic Area	353 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,189 sqft (0.188 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1411
Street Address	36 COTTAGE ST
City	BRISTOL
State	RI
Zip	02809-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Lot Number	30
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	2
Census Block	2010
Census Tract	30800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bristol Waterfront Historic District listed 1975 · 449 contributing resources · NRIS 75000053

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Bristol Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	36 COTTAGE ST, BRISTOL, RI 02809-2104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Oct 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SERVICE CU
May 11, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2012 · Amount on Record
Deed Sale	Jan 27, 2012 · Amount on Record
Prior Sale	Jun 30, 1989 · Amount on Record
Deed Book / Page	1632 / 348
Last Transfer Date	May 9, 2023
Transfer Doc	002210-105
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Recording Date	Sep 8, 2026
Property Address	36 COTTAGE ST, BRISTOL, RI 02809-2104
Document Number	0000002344
Book / Page	2336 / 281
Instrument Date	Aug 21, 2026
Instrument	20262344
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002344,
Date	Sep 8, 2026
Book Page	2336/281
Instrument	20262344

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	36 COTTAGE ST, BRISTOL, RI 02809-2104
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002298-225
Date	Oct 23, 2025
Book Page	2298/225
Instrument	2025-2387

Lender

Name	SERVICE CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRISTOL RI
Recording Date	May 11, 2023
Property Address	36 COTTAGE ST, BRISTOL, RI 02809-2104
Document Number	002210-105
Book / Page	2210 / 105
Instrument Date	May 9, 2023
Instrument	4802
Transaction Type	Transfer
Record Updated	May 25, 2023

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	36 COTTAGE ST, BRISTOL, RI 02809-2104

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	36 COTTAGE ST, BRISTOL, RI 02809-2104
Document Number	1932-206
Instrument Date	Feb 27, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 COTTAGE ST BRISTOL RI 028092104, BRISTOL, RI 02809-2104

Mortgage

Document Number	1932-206
Date	Mar 16, 2018
Book Page	001932/000206

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bristol Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Bristol Town
Unified School District	Bristol-Warren Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$5,078.00 (+9.39%)
2025	$4,642.00 (+5.17%)	$483,500 (+46.34%) Land $149,200 Building $334,300
2023	$4,414.00 (+2.77%)	$330,400 (-) Land $124,400 Building $206,000
2022	$4,295.00	$330,400 Land $124,400 Building $206,000

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	62 units insured incl. 28 condo units
Nearby Flood Claims	49 (1979–2018)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Mar 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 29 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	Low lower than 98% of the US · lower than 94% 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.

Drinking Water

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

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 437 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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