151 Cross St, Central Falls, RI 02863 Property Records

Central Falls City property record for 151 Cross St, Central Falls, RI 02863 · Last verified July 2026

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 bd · 3 ba · 3,964 sqft · built 1860
Lot Size	0.248 acres (10,799 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Aug 2025)
Tax Bill	$7,180 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Dec 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-1245-00`

Property Details

APN / Parcel Number

Primary APN	`3-1245-00`
Alternative APN	`CENT M:05 P:81`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	3,964 sqft Total Area
Gross Area	6,560 sqft
1st Floor Area	1,696 sqft
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,799 sqft (0.248 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3-1245-00
Street Address	151 CROSS ST
City	CENTRAL FALLS
State	RI
Zip	02863-2908
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Jurisdiction	CENTRAL FALLS RI
Township / Civil Division	CENTRAL FALLS
Census Block Group	3
Census Block	3001
Census Tract	10800

Owner

Source: Central Falls City records · APN 3-1245-00

Assessment roll updated June 22, 2026 · Last verified July 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 File
Mailing Address	151 CROSS ST, CENTRAL FALLS, RI 02863-2908
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2025	Warranty Deed, Transfer CHARLES COELHO
Dec 20, 2024	Quit Claim Deed, Transfer · ARM NAVIGANT CREDIT UNION
Jan 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 15, 2025 · Amount on Record
Deed Sale	Aug 15, 2025 · Amount on Record
Deed Document Number	20252562
Deed Book / Page	1102 / 1
Prior Transfer Date	Dec 20, 2024
Prior Transfer Doc	001085-275
Record Updated	Sep 20, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CENTRAL FALLS RI
Recording Date	Aug 15, 2025
Property Address	151 CROSS ST, CENTRAL FALLS, RI 02863-2908
Document Number	00001102-1
Book / Page	1102 / 1
Instrument Date	Aug 14, 2025
Instrument	2562
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	151 CROSS ST, CENTRAL FALLS, RI 02863-2908

Mortgage

Document Number	0000002563
Date	Aug 15, 2025
Instrument	2563

Lender

Name	CHARLES COELHO

Agreement

Amount	Amount Recorded
Term	61 Months
Due	Sep 01, 2030

Mortgage

Document Number	0001102-14
Date	Aug 15, 2025
Book Page	1102/14
Instrument	2564

Lender

Name	CHARLES COELHO

Agreement

Amount	Amount Recorded
Term	61 Months
Due	Sep 01, 2030

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CENTRAL FALLS RI
Recording Date	Dec 20, 2024
Property Address	151 CROSS ST, CENTRAL FALLS, RI 02863-2908
Document Number	001085-275
Book / Page	1085 / 275
Instrument Date	Dec 20, 2024
Instrument	202401451
Transaction Type	Transfer
Record Updated	Mar 13, 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
Relationship	Tenants by the Entirety
Address	151 CROSS ST, CENTRAL FALLS, RI 02863-2908

Mortgage

Document Number	0202401452
Date	Dec 20, 2024
Instrument	202401452

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Jan 01, 2032
Index	Other

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	151 CROSS ST, CENTRAL FALLS, RI 02863-2908
Document Number	926-63
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	151 CROSS ST CENTRAL FALLS RI 028632908, CENTRAL FALLS, RI 02863-2908

Mortgage

Document Number	926-63
Date	Jan 30, 2018
Book Page	000926/000063
Instrument	137

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Central Falls City records · Assessment roll updated June 22, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2025	$7,180.00	$543,500 (+70.43%) Land $129,400 Building $414,100
2023		$318,900 Land $88,700 Building $230,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44007C, updated June 22, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 580 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fiber	980 / 880
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Verizon, T-Mobile USA, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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