71 Cottage St, Warwick, RI 02886 Property Records

Warwick City property record for 71 Cottage St, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,386 sqft · built 1875
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,900 (Apr 2018)
Tax Bill	$3,811 (2025)
Deeds & Mortgages	Oct 2020 Refinance May 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27800250000`

Property Details

APN / Parcel Number

Primary APN	`27800250000`
Alternative APNs	`WARW M:278 B:0025 L:0000` `100121939`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,386 sqft Living Area
Gross Area	2,431 sqft
1st Floor Area	792 sqft
Basement Area	396 sqft
Unfinished Basement	396 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	100121939
Street Address	71 COTTAGE ST
City	WARWICK
State	RI
Zip	02886-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	25
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	4
Census Block	4046
Census Tract	21100

Owner

Source: Warwick City records, as of June 22, 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	71 COTTAGE ST, WARWICK, RI 02886-1309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NFM LENDING
May 11, 2018	Warranty Deed, Transfer
Apr 10, 2018	Warranty Deed, Transfer SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2018 · Amount on Record
Deed Sale	Apr 10, 2018 · Amount on Record
Prior Sale	Dec 19, 2003 · Amount on Record
Deed Document Number	20184646
Deed Book / Page	9029 / 119
Transfer Doc	9048-20
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	71 COTTAGE ST, WARWICK, RI 02886-1309
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9644-1
Date	Oct 21, 2020
Book Page	9644/1
Instrument	16095

Lender

Name	NFM LENDING

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	May 11, 2018
Property Address	71 COTTAGE ST, WARWICK, RI 02886-1309
Document Number	9048-20
Book / Page	009048 / 000020
Instrument Date	Apr 27, 2018
Instrument	6170
Transaction Type	Transfer
Record Updated	May 31, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 COTTAGE ST WARWICK RI 028861309, WARWICK, RI 02886-1309

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Apr 10, 2018
Property Address	71 COTTAGE ST, WARWICK, RI 02886-1309
Document Number	9029-119
Book / Page	9029 / 119
Instrument	4646
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22.32
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	90290121
Date	Apr 10, 2018
Instrument	09029/0121

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,811.00 (+21.91%)	$300,100 (+36.22%) Land $96,800 Building $203,300
2024			$379,050
2023	$3,126.00 (+9.15%)	$220,300 (+44.08%) Land $81,500 Building $138,800
2022	$2,864.00	$152,900 Land $47,300 Building $105,600

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 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

71 Cottage St, Warwick, RI 02886 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cottage St

Nearby Streets

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