4 Cross St, Bristol, RI 02809 Property Records

Bristol Town property record for 4 Cross St, Bristol, RI 02809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,445 sqft · built 1988
Lot Size	0.379 acres (16,501 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jun 2007)
Tax Bill	$7,610 (2026)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-0902-35`

Property Details

APN / Parcel Number

Primary APN	`14-0902-35`
Alternative APNs	`BRIS M:163 L:56` `9211`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,445 sqft Living Area
Gross Area	5,008 sqft
Basement Area	1,937 sqft
Unfinished Basement	1,937 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,501 sqft (0.379 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	14-0902-35
Street Address	4 CROSS ST
City	BRISTOL
State	RI
Zip	02809-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Lot Number	56
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	3
Census Block	3016
Census Tract	30800

Owner

4 Cross St is owned and occupied by two individuals who bought it in June 2007.

Source: Bristol Town records, as of September 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4 CROSS ST, BRISTOL, RI 02809-2932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2007 · Amount on File
Deed Sale	Jun 6, 2007 · Amount on File
Prior Sale	Aug 25, 1995 · Amount on File
Deed Book / Page	1377 / 341
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	4 CROSS ST, BRISTOL, RI 02809-2932
Document Number	1880-120
Book / Page	001880 / 000120
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	Feb 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1880-120
Date	Jan 23, 2017
Book Page	001880/000120

Lender

Name	COASTWAY CMNTY BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2047

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	$7,610.00 (+13.26%)
2025	$6,719.00 (+3.43%)	$486,200 (-) Land $186,600 Building $299,600
2023	$6,496.00 (+2.77%)	$486,200 (-) Land $186,600 Building $299,600
2022	$6,321.00	$486,200 Land $186,600 Building $299,600

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

Flood

FEMA maps place 4 Cross St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1983.

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	Severe Storms And Flooding, Mar 2010 · 6 claims Hurricane Bob, Aug 1991 · 2 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

Wildfire risk around 4 Cross St 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 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.

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 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