48 Cottage St, Bristol, RI 02809 Property Records

Bristol Town property record for 48 Cottage St, Bristol, RI 02809

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,845 sqft · built 1910
Lot Size	0.151 acres (6,599 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Aug 2017)
Tax Bill	$7,254 (2026)
Deeds & Mortgages	Nov 2020 Refinance Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`50-0031-05`

Property Details

APN / Parcel Number

Primary APN	`50-0031-05`
Alternative APNs	`BRIS M:20 L:27` `1408`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,845 sqft Living Area
Gross Area	2,943 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,599 sqft (0.151 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	50-0031-05
Street Address	48 COTTAGE ST
City	BRISTOL
State	RI
Zip	02809-2104
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-6
Legal Lot Number	27
Jurisdiction	BRISTOL RI
Township / Civil Division	BRISTOL
Census Block Group	2
Census Block	2010
Census Tract	30800

Owner

Source: Bristol Town records, as of September 9, 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	15 ANSELMO DR, PORTSMOUTH, RI 02871-1519
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Aug 25, 2017	Warranty Deed, Transfer MOVEMENT MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2017 · Amount on Record
Deed Sale	Aug 25, 2017 · Amount on Record
Prior Sale	May 1, 2007 · Amount on Record
Deed Book / Page	1906 / 121
Transfer Doc	1689-198
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRISTOL RI
Property Address	48 COTTAGE ST, BRISTOL, RI 02809-2104
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2072-31
Date	Nov 18, 2020
Book Page	2072/31
Instrument	8059

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRISTOL RI
Recording Date	Aug 25, 2017
Property Address	48 COTTAGE ST, BRISTOL, RI 02809-2104
Document Number	1906-121
Book / Page	1906 / 121
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.29
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	19060124
Date	Aug 25, 2017
Instrument	01906/0124

Lender

Name	MOVEMENT MTG LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 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	$7,254.00 (+36.48%)
2025	$5,315.00 (+3.44%)	$384,600 (-) Land $117,000 Building $267,600
2023	$5,138.00 (+2.76%)	$384,600 (-) Land $117,000 Building $267,600
2022	$5,000.00	$384,600 Land $117,000 Building $267,600

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

Flood

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 Record 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

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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