Warren Town property record for 53 Cottage St, Warren, RI 02885
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,968 sqft · built 1960 |
| Lot Size | 0.215 acres (9,348 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,542 (2026) |
| Deeds & Mortgages | Jan 2024 Refinance Sep 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-1011-00 |
| Primary APN | 16-1011-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,968 sqft Living Area |
| Gross Area | 3,384 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,348 sqft (0.215 acres) |
| Garage Type | Attached |
| Pool Type | In-Ground Pool |
| Heating System | Hot Water |
|---|
| Account Number | 16-1011-00 |
|---|---|
| Street Address | 53 COTTAGE ST |
| City | WARREN |
| State | RI |
| Zip | 02885-2801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Lot Number | 112 |
| Jurisdiction | WARREN RI |
| Township / Civil Division | WARREN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 30602 |
53 Cottage St is owned and occupied by two individuals.
Source: Warren Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 53 COTTAGE ST, WARREN, RI 02885-2801 |
| 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.
| Date | Document |
|---|---|
| Jan 4, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION |
| Sep 15, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Feb 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Mar 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN RI |
| Property Address | 53 COTTAGE ST, WARREN, RI 02885-2801 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001116-95 |
|---|---|
| Date | Jan 4, 2024 |
| Book Page | 1116/95 |
| Instrument | 34824 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN RI |
| Property Address | 53 COTTAGE ST, WARREN, RI 02885-2801 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1059-47 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 1059/47 |
| Instrument | 30341 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN RI |
| Property Address | 53 COTTAGE ST, WARREN, RI 02885-2801 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1034-228 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 1034/228 |
| Instrument | 28470 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN RI |
| Property Address | 53 COTTAGE ST, WARREN, RI 02885-2801 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1002-176 |
|---|---|
| Date | Mar 18, 2020 |
| Book Page | 1002/176 |
| Instrument | 20200000026105 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2026 property tax bill for 53 Cottage St was $6,542, up 16.9% from the year before.
Source: Warren Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Warren Town |
| Unified School District | Bristol-Warren Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,542.00 (+16.88%) | ||
| 2025 | $5,597.00 | $375,900 Land $141,700 Building $234,200 | $552,535 |
| 2023 | $5,135.00 (-2.78%) | $375,900 (+28.16%) Land $141,700 Building $234,200 | |
| 2022 | $5,282.00 | $293,300 Land $127,500 Building $165,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 53 Cottage St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1991.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 7 (1991–2022) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Dec 2022 · tidal / storm surge |
| Claims by Event |
|
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.
The area around 53 Cottage St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 358 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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