Pawtucket City property record for 541 Cottage St, Pawtucket, RI 02861
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,316 sqft · built 1920 |
| Lot Size | 0.167 acres (7,286 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,500 (Nov 1993) |
| Tax Bill | $3,470 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | PAWT M:10 L:0855 |
| Primary APN | PAWT M:10 L:0855 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,316 sqft Living Area |
| Gross Area | 3,302 sqft |
| 1st Floor Area | 946 sqft |
| Attic | Attic |
| Attic Area | 925 sqft |
| Basement Area | 946 sqft |
| Unfinished Basement | 946 sqft |
| Game Room | Game Room |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,286 sqft (0.167 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 100855 |
|---|---|
| Street Address | 541 COTTAGE ST |
| City | PAWTUCKET |
| State | RI |
| Zip | 02861-1642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT |
| Legal Lot Number | 855 |
| Jurisdiction | PAWTUCKET RI |
| Township / Civil Division | PAWTUCKET |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 15600 |
541 Cottage St is owned and occupied by two individuals who bought it in November 1993.
Source: Pawtucket City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 541 COTTAGE ST, PAWTUCKET, RI 02861-1642 |
| 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 |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage ROCKET MORTGAGE LLC |
| Apr 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 1993 · Amount on File |
| Deed Sale | Nov 15, 1993 · Amount on File |
| Deed Book / Page | 805 / 3010 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PAWTUCKET RI |
| Property Address | 541 COTTAGE ST, PAWTUCKET, RI 02861-1642 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 005259-296 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | 5259/296 |
| Instrument | 14 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PAWTUCKET RI |
| Property Address | 541 COTTAGE ST, PAWTUCKET, RI 02861-1642 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004854-191 |
|---|---|
| Date | Apr 7, 2022 |
| Book Page | 4854/191 |
| Instrument | 45 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 541 Cottage St was $3,470.
Source: Pawtucket City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Pawtucket City |
| Unified School District | Pawtucket School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,470.00 | $263,900 Land $112,600 Building $151,300 | $377,434 |
| 2023 | $3,527.00 (+2.17%) | $208,200 (-) Land $86,700 Building $121,500 | |
| 2022 | $3,452.00 | $208,200 Land $86,700 Building $121,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 541 Cottage St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 22, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 541 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 | 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 |
| 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 886 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Xfinity.
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