931 Cowesett Rd, Warwick, RI 02886 Property Records

Warwick City property record for 931 Cowesett Rd, Warwick, RI 02886

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,250 sqft · built 1977
Lot Size	0.827 acres (36,038 sqft)
Owner	Trust Name on File
Last Sale	$425,000 (Dec 2020)
Tax Bill	$6,895 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Nov 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23900130000`

Property Details

APN / Parcel Number

Primary APN	`23900130000`
Alternative APNs	`WARW M:239 B:0013 L:0000` `122673` `141376`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,250 sqft Living Area
Gross Area	4,841 sqft
1st Floor Area	1,250 sqft
Attic	Attic
Attic Area	704 sqft
Basement Area	1,250 sqft
Finished Basement	1,250 sqft
Unfinished Basement	325 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,038 sqft (0.827 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	141376
Street Address	931 COWESETT RD
City	WARWICK
State	RI
Zip	02886-6698
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A15
Legal Block	13
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2038
Census Tract	22202

Owner

931 Cowesett Rd is owner-occupied and held in a trust since November 2022.

Source: Warwick City records, as of June 22, 2026

Owner of Record	Trust Name on File
Mailing Address	931 COWESETT RD, WARWICK, RI 02886-6698
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Deed of Trust, Mortgage · Line of Credit HARBORONE BANK
Nov 21, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 21, 2017	Deed of Trust, Mortgage HOME LN & INVEST BK
Dec 2, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHPOINTE BANK
Jul 11, 2017	Warranty Deed, Transfer HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2020 · Amount on File
Deed Sale	Dec 2, 2020 · Amount on File
Prior Sale	Jul 11, 2017 · Amount on File
Deed Document Number	202019249
Deed Book / Page	9684 / 193
Last Transfer Date	Nov 16, 2022
Transfer Doc	010246-214
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	931 COWESETT RD, WARWICK, RI 02886-6698
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010310-211
Date	Apr 21, 2023
Book Page	10310/211
Instrument	3740

Lender

Name	HARBORONE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARWICK RI
Recording Date	Nov 21, 2022
Property Address	931 COWESETT RD, WARWICK, RI 02886-6698
Document Number	010246-214
Book / Page	10246 / 214
Instrument Date	Nov 16, 2022
Instrument	16206
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	931 COWESETT RD, WARWICK, RI 02886-6698
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8862-257
Date	Jul 21, 2017
Book Page	8862/257
Instrument	10594

Lender

Name	HOME LN & INVEST BK

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2027

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Dec 2, 2020
Property Address	931 COWESETT RD, WARWICK, RI 02886-6698
Document Number	9684-193
Book / Page	9684 / 193
Instrument Date	Dec 1, 2020
Instrument	19249
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	931 COWESETT RD, WARWICK, RI 02886-6698

Mortgage

Document Number	19250
Date	Dec 2, 2020
Instrument	19250

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARWICK RI
Recording Date	Jul 11, 2017
Property Address	931 COWESETT RD, WARWICK, RI 02886-6698
Document Number	8855-169
Book / Page	8855 / 169
Instrument	9981
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	88550172
Date	Jul 11, 2017
Instrument	08855/0172

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 931 Cowesett Rd was $6,895.

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	$6,895.00	$542,900 Land $150,000 Building $392,900
2024			$566,960
2023	$6,143.00 (+4.53%)	$432,900 (+37.95%) Land $114,700 Building $318,200
2022	$5,877.00	$313,800 Land $84,000 Building $229,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 931 Cowesett Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2001–2010)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2010 · Severe Storms 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

Wildfire risk around 931 Cowesett Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	KENT COUNTY WATER AUTHORITY serves 94,107 people · EPA ID RI1559511
Water Source	Purchased surface water from several systems
Last State Inspection	May 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	None 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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