Providence City property record for 196 Gray St, Providence, RI 02909
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 1,593 sqft · built 1940 |
| Lot Size | 0.111 acres (4,838 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Jul 2016) |
| Tax Bill | $3,231 (2025) |
| Deeds & Mortgages | May 2020 Refinance Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | PROV M:94 L:200 |
| Primary APN | PROV M:94 L:200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,593 sqft Living Area |
| Gross Area | 3,614 sqft |
| 1st Floor Area | 1,086 sqft |
| Attic | Attic |
| Attic Area | 507 sqft |
| Basement Area | 1,014 sqft |
| Unfinished Basement | 1,014 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,838 sqft (0.111 acres) |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 42445 |
|---|---|
| Street Address | 196 GRAY ST |
| City | PROVIDENCE |
| State | RI |
| Zip | 02909-3920 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R-2 |
| Legal Lot Number | 200 |
| Jurisdiction | PROVIDENCE RI |
| Township / Civil Division | PROVIDENCE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 2102 |
Source: Providence City records, as of October 20, 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 | 196 GRAY ST, PROVIDENCE, RI 02909-3920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Oct 23, 2018 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2016 · Amount on Record |
| Deed Sale | Jul 15, 2016 · Amount on Record |
| Prior Sale | May 9, 2002 · Amount on Record |
| Deed Book / Page | 11450 / 282 |
| Transfer Doc | 9965-261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Property Address | 196 GRAY ST, PROVIDENCE, RI 02909-3920 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0012732-25 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 12732/25 |
| Instrument | 2020256687 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Property Address | 196 GRAY ST, PROVIDENCE, RI 02909-3920 |
| Document Number | 12196-303 |
| Instrument Date | Oct 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 196 GRAY ST PROVIDENCE RI 029093920, PROVIDENCE, RI 02909-3920 |
| Document Number | 12196-303 |
|---|---|
| Date | Oct 29, 2018 |
| Book Page | 012196/000303 |
| Instrument | 212911 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2048 |
Source: Providence City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Providence City |
| Unified School District | Providence School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,231.00 (-32.53%) | $427,900 (+63.95%) Land $129,300 Building $298,600 | $435,165 |
| 2023 | $4,789.00 (+3.08%) | $261,000 (-) Land $74,800 Building $186,200 | |
| 2022 | $4,646.00 | $261,000 Land $74,800 Building $186,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | PROVIDENCE-CITY OF serves 333,142 people · EPA ID RI1592024 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2018 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 1,147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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