41 Cottage St, Bristol, RI 02809 Property Records

Bristol Town property record for 41 Cottage St, Bristol, RI 02809

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 1,565 sqft · built 1890
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Trust Names on File
Last Sale	$270,000 (Aug 2016)
Tax Bill	$6,439 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`50-0015-46`

Property Details

APN / Parcel Number

Primary APN	`50-0015-46`
Alternative APNs	`BRIS M:20 L:16` `1397`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,565 sqft Living Area
Gross Area	3,004 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	50-0015-46
Street Address	41 COTTAGE ST
City	BRISTOL
State	RI
Zip	02809-2103
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R-6
Legal Lot Number	16
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	2
Census Block	2000
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

41 Cottage St, a residential property, is owner-occupied and held in a trust since August 2016.

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

Owner of Record	2 Trust Names on File
Mailing Address	41 COTTAGE ST, BRISTOL, RI 02809-2103
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage FALL RIVER FIVE CENTS SVGS BK
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage FALL RIVER FIVE CENTS SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2016 · Amount on File
Deed Sale	Aug 29, 2016 · Amount on File
Deed Book / Page	1860 / 23
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	41 COTTAGE ST, BRISTOL, RI 02809-2103
Document Number	1947-120
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 COTTAGE ST BRISTOL RI 028092103, BRISTOL, RI 02809-2103

Mortgage

Document Number	1947-120
Date	Jul 12, 2018
Book Page	001947/000120
Instrument	1951

Lender

Name	FALL RIVER FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 11, 2028

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	41 COTTAGE ST, BRISTOL, RI 02809-2103
Document Number	1946-67
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 COTTAGE ST BRISTOL RI 028092103, BRISTOL, RI 02809-2103

Mortgage

Document Number	1946-67
Date	Jun 29, 2018
Book Page	001946/000067

Lender

Name	FALL RIVER FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 28, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 41 Cottage St was $6,439, up 48.8% 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	$6,439.00 (+48.81%)
2025	$4,327.00	$313,100 Land $105,800 Building $207,300
2023	$4,183.00 (+2.78%)	$313,100 (-) Land $105,800 Building $207,300
2022	$4,070.00	$313,100 Land $105,800 Building $207,300

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

Flood

FEMA maps place 41 Cottage St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 41 Cottage 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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