Warwick City property record for 56 Cottage St, Warwick, RI 02886
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,220 sqft · built 1925 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Jun 2018) |
| Tax Bill | $3,675 (2025) |
| Deeds & Mortgages | Jul 2026 Second Mortgage Jul 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27800600000 |
| Primary APN | 27800600000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,220 sqft Living Area |
| Gross Area | 2,185 sqft |
| 1st Floor Area | 725 sqft |
| Basement Area | 660 sqft |
| Unfinished Basement | 660 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,200 sqft (0.165 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 26932 |
|---|---|
| Street Address | 56 COTTAGE ST |
| City | WARWICK |
| State | RI |
| Zip | 02886-1310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A7 |
| Legal Block | 60 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 4 |
| Census Block | 4048 |
| Census Tract | 21100 |
Source: Warwick City records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 56 COTTAGE ST, WARWICK, RI 02886-1310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage RHODE ISLAND MORTGAGE FINANCIAL CORPORATION |
| Jul 17, 2026 | Warranty Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC |
| Jun 1, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2018 · Amount on Record |
| Deed Sale | Jun 1, 2018 · Amount on Record |
| Prior Sale | Jun 21, 2013 · Amount on Record |
| Deed Document Number | 20187360 |
| Deed Book / Page | 9062 / 132 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Jul 17, 2026 |
| Property Address | 56 COTTAGE ST, WARWICK, RI 02886-1310 |
| Document Number | 0000008353 |
| Book / Page | 10930 / 220 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 20268353 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 56 COTTAGE ST, WARWICK, RI 02886-1310 |
| Document Number | 0000008353, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 10930/220 |
| Instrument | 20268353 |
| Name | RHODE ISLAND MORTGAGE FINANCIAL CORPORATION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Jul 17, 2026 |
| Property Address | 56 COTTAGE ST, WARWICK, RI 02886-1310 |
| Document Number | 0000008351 |
| Book / Page | 10930 / 197 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 20268351 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 COTTAGE ST, WARWICK, RI 02886-1310 |
| Date | Jul 17, 2026 |
|---|
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARWICK RI |
| Recording Date | Jun 1, 2018 |
| Property Address | 56 COTTAGE ST, WARWICK, RI 02886-1310 |
| Document Number | 9062-132 |
| Book / Page | 009062 / 000132 |
| Instrument Date | Jun 1, 2018 |
| Instrument | 7360 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 COTTAGE ST WARWICK RI 028861310, WARWICK, RI 02886-1310 |
Source: Warwick City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Warwick City |
| Unified School District | Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,675.00 (+12.21%) | $289,400 (+25.39%) Land $103,500 Building $185,900 | |
| 2024 | $349,980 | ||
| 2023 | $3,275.00 (+8.41%) | $230,800 (+43.09%) Land $87,100 Building $143,700 | |
| 2022 | $3,021.00 | $161,300 Land $51,200 Building $110,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Dec 2023 · Severe Storm And Flooding |
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.
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 | WARWICK-CITY OF serves 73,289 people · EPA ID RI1615627 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 198 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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