189 Central Ave, Johnston, RI 02919 Property Records

Cumberland Town property record for 189 Central Ave, Johnston, RI 02919

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,012 sqft · built 1962
Lot Size	0.539 acres (23,485 sqft)
Owner	Individual Name on File
Last Sale	$370,125 (Nov 2022)
Tax Bill	$7,163 (2026)
Deeds & Mortgages	Jan 2026 Second Mortgage Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-2030-00`

Property Details

APN / Parcel Number

Primary APN	`20-2030-00`
Alternative APN	`JOHN M:0023 L:093`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,012 sqft Living Area
Gross Area	4,856 sqft
1st Floor Area	2,012 sqft
Basement Area	2,012 sqft
Unfinished Basement	356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,485 sqft (0.539 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	20-2030-00
Street Address	189 CENTRAL AVE
City	JOHNSTON
State	RI
Zip	02919-5039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Lot Number	93
Jurisdiction	JOHNSTON RI
Township / Civil Division	JOHNSTON
Census Block Group	1
Census Block	1017
Census Tract	12402

Owner

189 Central Ave is owned and occupied by an individual who acquired it in December 2024.

Source: Cumberland Town records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	189 CENTRAL AVE, JOHNSTON, RI 02919-5039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jan 28, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Dec 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 20, 2024	Quit Claim Deed, Transfer · Stand-Alone Refinance LOANDEPOT.COM LLC
Nov 7, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage LANCE BAY
Aug 9, 2022	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2022 · Amount on File
Deed Sale	Nov 7, 2022 · Amount on File
Prior Sale	Aug 9, 2022 · Amount on File
Deed Document Number	2022170692
Deed Book / Page	3139 / 186
Last Transfer Date	Dec 13, 2024
Transfer Doc	0003281-93
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON RI
Property Address	189 CENTRAL AVE, JOHNSTON, RI 02919-5039
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003364-246
Date	Jan 28, 2026
Book Page	3364/246
Instrument	187225

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2046

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON RI
Property Address	189 CENTRAL AVE, JOHNSTON, RI 02919-5039
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003358-254
Date	Dec 30, 2025
Book Page	3358/254
Instrument	186762

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JOHNSTON RI
Recording Date	Dec 20, 2024
Property Address	189 CENTRAL AVE, JOHNSTON, RI 02919-5039
Document Number	0003281-93
Book / Page	3281 / 93
Instrument Date	Dec 13, 2024
Instrument	2024181285
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	LIBERTY TITLE

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
Address	189 CENTRAL AVE, JOHNSTON, RI 02919-5039

Mortgage

Document Number	2024181286
Date	Dec 20, 2024
Instrument	2024181286

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON RI
Recording Date	Nov 7, 2022
Property Address	189 CENTRAL AVE, JOHNSTON, RI 02919-5039
Document Number	003139-186
Book / Page	3139 / 186
Instrument Date	Nov 7, 2022
Instrument	170692
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	2450 HARTFORD AVE, JOHNSTON, RI 02919-1702
Investor	Possibly a Property Investor

Mortgage

Document Number	0000170693
Date	Nov 7, 2022
Instrument	170693

Lender

Name	LANCE BAY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2022: Foreclosure

Document Type	Foreclosure
Jurisdiction	JOHNSTON RI
Recording Date	Aug 9, 2022
Property Address	189 CENTRAL AVE, JOHNSTON, RI 02919-5039
Document Number	003118-297
Book / Page	3118 / 297
Instrument Date	Aug 4, 2022
Instrument	169153
Transaction Type	Foreclosure
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 BEATTIE PL # STE11, STE11, GREENVILLE, SC 29601-2165

Tax Assessment & Valuation

The 2026 property tax bill for 189 Central Ave was $7,163, down 4.3% from the year before.

Source: Cumberland Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Cumberland Town
Unified School District	Cumberland School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,163.00 (-4.26%)	$580,500 (+21.19%) Land $147,100 Building $433,400	$524,434
2025	$7,482.00	$479,000 Land $104,000 Building $375,000
2023	$7,329.00 (+9.96%)	$479,000 (+67.02%) Land $104,000 Building $375,000
2022	$6,665.00	$286,800 Land $77,100 Building $209,700

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

Flood

FEMA maps place 189 Central Ave 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 June 22, 2026 · 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1981–2024)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Dec 2024 · river or lake 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 189 Central Ave 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 95% of the US · lower than 85% 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	TOWN OF CUMBERLAND serves 21,235 people · EPA ID RI1647530
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: Cox Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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