117 Clay St, Central Falls, RI 02863 Property Records

Central Falls City property record for 117 Clay St, Central Falls, RI 02863

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 4 ba · 2,534 sqft · built 1900
Lot Size	0.218 acres (9,479 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jul 2009)
Tax Bill	$7,087 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-0672-81`

Property Details

APN / Parcel Number

Primary APN	`18-0672-81`
Alternative APN	`CENT M:05 P:36`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,534 sqft Living Area
Gross Area	3,916 sqft
1st Floor Area	1,391 sqft
Basement Area	1,143 sqft
Unfinished Basement	1,143 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,479 sqft (0.218 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Electric
Heating Fuel	Gas

Location & Zoning

Account Number	18-0672-81
Street Address	117 CLAY ST
City	CENTRAL FALLS
State	RI
Zip	02863-3071
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R-3
Jurisdiction	CENTRAL FALLS RI
Township / Civil Division	CENTRAL FALLS
Census Block Group	3
Census Block	3005
Census Tract	10800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Central Falls Historic District listed 1991 · 377 contributing resources · NRIS 91000025

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Central Falls City records, as of June 29, 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	117 CLAY ST, CENTRAL FALLS, RI 02863-3071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Jul 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU
Jun 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage RHODE ISLAND HSNG & MTG FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2009 · Amount on Record
Deed Sale	Jul 27, 2009 · Amount on Record
Prior Sale	Sep 29, 2005 · Amount on Record
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	117 CLAY ST, CENTRAL FALLS, RI 02863-3071
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000996-32
Date	Feb 16, 2021
Book Page	996/32
Instrument	246

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Mar 1, 2045

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	117 CLAY ST, CENTRAL FALLS, RI 02863-3071
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001011-160
Date	Sep 13, 2021
Book Page	1011/160
Instrument	1421

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	117 CLAY ST, CENTRAL FALLS, RI 02863-3071
Document Number	957-327
Instrument Date	Jul 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CLAY ST CENTRAL FALLS RI 028633071, CENTRAL FALLS, RI 02863-3071

Mortgage

Document Number	957-327
Date	Jul 15, 2019
Book Page	000957/000327
Instrument	877

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 14, 2034

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	117 CLAY ST, CENTRAL FALLS, RI 02863-3071
Document Number	913-188
Book / Page	000913 / 000188
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CLAY ST CENTRAL FALLS RI 028633003, CENTRAL FALLS, RI 02863-3003

Mortgage

Document Number	913-188
Date	Jun 23, 2017
Book Page	000913/000188
Instrument	772

Lender

Name	RHODE ISLAND HSNG & MTG FIN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 22, 2032

Tax Assessment & Valuation

Source: Central Falls City assessment roll, as of June 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,087.00 (-2.73%)	$536,500 (+36.58%) Land $141,500 Building $395,000
2023	$7,286.00 (+54.56%)	$392,800 (-) Land $92,600 Building $300,200
2022	$4,714.00	$392,800 Land $92,600 Building $300,200

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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.

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 580 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
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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