Warwick City property record for 95 Cottage Grove Ave, Warwick, RI 02889
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,057 sqft · built 1965 |
| Lot Size | 0.184 acres (8,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Nov 2015) |
| Tax Bill | $4,288 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 36201470000 |
| Primary APN | 36201470000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,057 sqft Living Area |
| Gross Area | 2,354 sqft |
| 1st Floor Area | 1,057 sqft |
| Basement Area | 1,057 sqft |
| Unfinished Basement | 1,057 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,000 sqft (0.184 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 44792 |
|---|---|
| Street Address | 95 COTTAGE GROVE AVE |
| City | WARWICK |
| State | RI |
| Zip | 02889-8701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A10 |
| Legal Block | 147 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 21700 |
95 Cottage Grove Ave is owned and occupied by two individuals who bought it in November 2015.
Source: Warwick City records, as of June 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 95 COTTAGE GROVE AVE, WARWICK, RI 02889-8701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SHAMROCK HOME LOANS |
| Apr 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SHAMROCK HOME LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2015 · Amount on File |
| Deed Sale | Nov 5, 2015 · Amount on File |
| Prior Sale | May 19, 2014 |
| Deed Book / Page | 8473 / 132 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 95 COTTAGE GROVE AVE, WARWICK, RI 02889-8701 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0009825-48 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 9825/48 |
| Instrument | 8847 |
| Name | SHAMROCK HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | May 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 95 COTTAGE GROVE AVE, WARWICK, RI 02889-8701 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9825-48 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 9825/48 |
| Instrument | 8847 |
| Name | SHAMROCK HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | May 1, 2046 |
The 2025 property tax bill for 95 Cottage Grove Ave was $4,288.
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 | $4,288.00 | $337,600 Land $103,700 Building $233,900 | |
| 2024 | $289,370 | ||
| 2023 | $4,170.00 (+12.1%) | $293,900 (+47.99%) Land $90,100 Building $203,800 | |
| 2022 | $3,720.00 | $198,600 Land $58,700 Building $139,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Cottage Grove Ave in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1978.
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 10 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 15 (1978–2018) |
| Claims Outside the SFHA | 4 of 15 |
| Most Recent Claim | Mar 2018 · rainfall accumulation |
| 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 95 Cottage Grove Ave 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 | 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 390 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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