121 Cross St, Central Falls, RI 02863 Property Records

Central Falls City property record for 121 Cross St, Central Falls, RI 02863

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,315 sqft · built 1910
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Feb 2021)
Tax Bill	$4,333 (2025)
Deeds & Mortgages	Sep 2023 Refinance Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-1815-00`

Property Details

APN / Parcel Number

Primary APN	`19-1815-00`
Alternative APN	`CENT M:05 P:68`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,315 sqft Living Area
Gross Area	2,629 sqft
1st Floor Area	915 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,199 sqft (0.142 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	19-1815-00
Street Address	121 CROSS ST
City	CENTRAL FALLS
State	RI
Zip	02863-3005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Jurisdiction	CENTRAL FALLS RI
Township / Civil Division	CENTRAL FALLS
Census Block Group	3
Census Block	3000
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

121 Cross St is owned and occupied by an individual who bought it in February 2021.

Source: Central Falls City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	121 CROSS ST, CENTRAL FALLS, RI 02863-3005
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 19, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT
Feb 17, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) RHODE ISLAND HOUSING & MTG FIN CORP
Feb 17, 2021	Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Sep 28, 2020	Warranty Deed, Transfer WILLIAM DAMICO 3RD
Aug 12, 2020	Executor's Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2021 · Amount on File
Deed Sale	Feb 17, 2021 · Amount on File
Prior Sale	Sep 28, 2020 · Amount on File
Deed Document Number	2021258
Deed Book / Page	996 / 88
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	121 CROSS ST, CENTRAL FALLS, RI 02863-3005
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001060-253
Date	Sep 19, 2023
Book Page	1060/253
Instrument	1187

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Oct 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	121 CROSS ST, CENTRAL FALLS, RI 02863-3005
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	996-102
Date	Feb 17, 2021
Book Page	996/102
Instrument	260

Lender

Name	RHODE ISLAND HOUSING & MTG FIN CORP

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CENTRAL FALLS RI
Recording Date	Feb 17, 2021
Property Address	121 CROSS ST, CENTRAL FALLS, RI 02863-3005
Document Number	996-88
Book / Page	996 / 88
Instrument Date	Feb 16, 2021
Instrument	258
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	121 CROSS ST, CENTRAL FALLS, RI 02863-3005

Mortgage

Document Number	259
Date	Feb 17, 2021
Instrument	259

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CENTRAL FALLS RI
Recording Date	Sep 28, 2020
Property Address	121 CROSS ST, CENTRAL FALLS, RI 02863-3005
Document Number	985-83
Book / Page	000985 / 000083
Instrument Date	Sep 23, 2020
Instrument	1318
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	81 GLAUDE LN WOONSOCKET RI 028951611, WOONSOCKET, RI 02895-1611

Mortgage

Document Number	985-86
Date	Sep 28, 2020
Book Page	000985/000086
Instrument	1319

Lender

Name	WILLIAM DAMICO 3RD

Agreement

Amount	Amount on Record

August 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CENTRAL FALLS RI
Recording Date	Aug 12, 2020
Property Address	121 CROSS ST, CENTRAL FALLS, RI 02863-3005
Document Number	981-114
Book / Page	000981 / 000114
Instrument Date	Aug 11, 2020
Instrument	1043
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SECRET LN EAST GREENWICH RI 028181169, EAST GREENWICH, RI 02818-1169

Tax Assessment & Valuation

The 2025 property tax bill for 121 Cross St was $4,333.

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	Assessed Market Value
2025	$4,333.00	$328,000 Land $110,100 Building $217,900	$387,693
2023	$5,799.00 (+54.6%)	$312,600 (-) Land $81,400 Building $231,200
2022	$3,751.00	$312,600 Land $81,400 Building $231,200

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

Flood

FEMA maps place 121 Cross St in Zone X, an area of minimal flood risk.

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

The area around 121 Cross St 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.

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.

Nearby Properties on Cross St

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