40 Cole St, Bristol, RI 02809 Property Records

Bristol Town property record for 40 Cole St, Bristol, RI 02809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,396 sqft · built 2017
Lot Size	0.14 acres (6,107 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Oct 2022)
Tax Bill	$6,226 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`50-0101-20`

Property Details

APN / Parcel Number

Primary APN	`50-0101-20`
Alternative APNs	`BRIS M:26 L:95` `2119`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,396 sqft Living Area
Gross Area	3,224 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,107 sqft (0.14 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	50-0101-20
Street Address	40 COLE ST
City	BRISTOL
State	RI
Zip	02809-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Lot Number	95
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	1
Census Block	1027
Census Tract	30800

Owner

40 Cole St is owned and occupied by an individual who bought it in October 2022.

Source: Bristol Town records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	40 COLE ST, BRISTOL, RI 02809-3106
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Warranty Deed, Transfer · ARM HANSCOM FCU
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANKNEWPORT
Mar 12, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF NEWPORT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2022 · Amount on File
Deed Sale	Oct 21, 2022 · Amount on File
Prior Sale	Mar 12, 2018 · Amount on File
Deed Document Number	20223180
Deed Book / Page	2192 / 100
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRISTOL RI
Recording Date	Oct 21, 2022
Property Address	40 COLE ST, BRISTOL, RI 02809-3106
Document Number	002192-100
Book / Page	2192 / 100
Instrument Date	Oct 20, 2022
Instrument	2022-3180
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	40 COLE ST, BRISTOL, RI 02809-3106

Mortgage

Document Number	002192-103
Date	Oct 21, 2022
Book Page	2192/103
Instrument	3181

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Nov 1, 2029
Index	1-Year CMT

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	40 COLE ST, BRISTOL, RI 02809-3106
Document Number	2069-162
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 COLT STATE PARK BRISTOL RI 02809, BRISTOL, RI 02809

Mortgage

Document Number	2069-162
Date	Nov 5, 2020
Book Page	002069/000162
Instrument	7866

Lender

Name	BANKNEWPORT

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2050

March 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BRISTOL RI
Recording Date	Mar 12, 2018
Property Address	40 COLE ST, BRISTOL, RI 02809-3106
Document Number	1932-7
Book / Page	001932 / 000007
Instrument Date	Mar 12, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 24, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1146 GREEN CIR BOULDER CO 80305, BOULDER, CO 80305

Mortgage

Document Number	1932-8
Date	Mar 12, 2018
Book Page	001932/000008

Lender

Name	BANK OF NEWPORT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 11, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2026 property tax bill for 40 Cole St was $6,226, up 21.3% from the year before.

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	$6,226.00 (+21.34%)
2025	$5,131.00	$371,300 Land $127,500 Building $243,800
2023	$4,961.00 (+2.78%)	$371,300 (-) Land $127,500 Building $243,800
2022	$4,827.00	$371,300 Land $127,500 Building $243,800

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

Flood

FEMA maps place 40 Cole St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 46 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	49 units insured incl. 3 condo units
Nearby Flood Claims	9 (2010–2021)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Sep 2021 · rainfall accumulation

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 40 Cole 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 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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