48 Cole St, Chepachet, RI 02814 Property Records

Pawtucket City property record for 48 Cole St, Chepachet, RI 02814

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,843 sqft · built 2016
Lot Size	3.52 acres (153,331 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,639 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1-0373-06`

Property Details

APN / Parcel Number

Primary APN	`1-0373-06`
Alternative APN	`GLOC M:013 B:167`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,843 sqft Living Area
Gross Area	4,958 sqft
1st Floor Area	931 sqft
Attic	Attic
Attic Area	528 sqft
Basement Area	931 sqft
Unfinished Basement	862 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	153,331 sqft (3.52 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1-0373-06
Street Address	48 COLE ST
City	CHEPACHET
State	RI
Zip	02814-4439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	80
Legal Block	167
Jurisdiction	GLOCESTER RI
Township / Civil Division	GLOCESTER
Census Block Group	1
Census Block	1009
Census Tract	13101

Owner

Source: Pawtucket City records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	48 COLE ST, CHEPACHET, RI 02814-4439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Aug 5, 2020	Deed of Trust, Mortgage · VA Mortgage INLAND BANK & TRUST
Sep 23, 2019	Deed of Trust, Mortgage · Line of Credit NAVIGANT CU
Feb 16, 2017	Deed of Trust, Mortgage · Line of Credit NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	48 COLE ST, CHEPACHET, RI 02814-4439
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000986-1
Date	Mar 20, 2026
Book Page	986/1
Instrument	56713

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	48 COLE ST, CHEPACHET, RI 02814-4439
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000895-271
Date	Feb 16, 2022
Book Page	895/271
Instrument	49044

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	48 COLE ST, CHEPACHET, RI 02814-4439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	832-310
Date	Aug 5, 2020
Book Page	832/310
Instrument	44126

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	48 COLE ST, CHEPACHET, RI 02814-4439
Document Number	805-162
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 COLE ST CHEPACHET RI 028144439, CHEPACHET, RI 02814-4439

Mortgage

Document Number	805-162
Date	Oct 1, 2019
Book Page	000805/000162
Instrument	41909

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	48 COLE ST, CHEPACHET, RI 02814-4439
Document Number	737-7
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	737-7
Date	Mar 1, 2017
Book Page	000737/000007
Instrument	35662

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Pawtucket City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Pawtucket City
Unified School District	Pawtucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,639.00 (+0.07%)	$605,800 (-) Land $182,800 Building $423,000	$619,690
2023	$8,633.00 (+9.92%)	$605,800 (+44.17%) Land $182,800 Building $423,000
2022	$7,854.00	$420,200 Land $131,400 Building $288,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (1983–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	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	PAWTUCKET WATER SUPPLY BOARD VEOLIA-NA serves 98,130 people · EPA ID RI1592021
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) 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 1,055 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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