46 Cole St, Bristol, RI 02809 Property Records

Bristol Town property record for 46 Cole St, Bristol, RI 02809

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,976 sqft · built 2001
Lot Size	0.16 acres (6,965 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jul 2017)
Tax Bill	$6,259 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`50-0028-84`

Property Details

APN / Parcel Number

Primary APN	`50-0028-84`
Alternative APNs	`BRIS M:26 L:90` `2114`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,976 sqft Living Area
Gross Area	3,763 sqft
Basement Area	1,927 sqft
Unfinished Basement	1,427 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,965 sqft (0.16 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	50-0028-84
Street Address	46 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	90
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	1
Census Block	1027
Census Tract	30800

Owner

46 Cole St is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	46 COLE ST, BRISTOL, RI 02809-3106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 29, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) BANKNEWPORT
Oct 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES CU
Jul 14, 2017	Warranty Deed, Transfer · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on File
Deed Sale	Jul 14, 2017 · Amount on File
Deed Book / Page	1900 / 180
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	46 COLE ST, BRISTOL, RI 02809-3106
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2146-112
Date	Nov 29, 2021
Book Page	2146/112
Instrument	13747

Lender

Name	BANKNEWPORT

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2031

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	46 COLE ST, BRISTOL, RI 02809-3106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2066-268
Date	Oct 26, 2020
Book Page	2066/268
Instrument	7653

Lender

Name	PEOPLES CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRISTOL RI
Recording Date	Jul 14, 2017
Property Address	46 COLE ST, BRISTOL, RI 02809-3106
Document Number	1900-180
Book / Page	001900 / 000180
Instrument Date	Jul 14, 2017
Transaction Type	Transfer
Record Updated	Aug 8, 2017

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	46 COLE ST BRISTOL RI 028093106, BRISTOL, RI 02809-3106

Mortgage

Document Number	1900-182
Date	Jul 14, 2017
Book Page	001900/000182

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 46 Cole St was $6,259, up 20.6% 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	$6,259.00 (+20.62%)
2025	$5,189.00	$375,500 Land $125,300 Building $250,200
2023	$5,017.00 (+2.77%)	$375,500 (-) Land $125,300 Building $250,200
2022	$4,882.00	$375,500 Land $125,300 Building $250,200

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

Flood

FEMA maps place 46 Cole 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 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 46 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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