21 Harding St, Pawtucket, RI 02861 Property Records

Pawtucket City property record for 21 Harding St, Pawtucket, RI 02861

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,148 sqft · built 1930
Lot Size	0.131 acres (5,686 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Nov 2020)
Tax Bill	$3,785 (2025)
Deeds & Mortgages	Aug 2023 Refinance Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PAWT M:11 L:0532`

Property Details

APN / Parcel Number

Primary APN	`PAWT M:11 L:0532`
Alternative APN	`110532`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,148 sqft Living Area
Gross Area	3,752 sqft
1st Floor Area	1,148 sqft
Attic	Attic
Attic Area	1,128 sqft
Basement Area	1,128 sqft
Unfinished Basement	1,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,686 sqft (0.131 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	110532
Street Address	21 HARDING ST
City	PAWTUCKET
State	RI
Zip	02861-1909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Lot Number	532
Jurisdiction	PAWTUCKET RI
Township / Civil Division	PAWTUCKET
Census Block Group	3
Census Block	3009
Census Tract	15600

Owner

21 Harding St is owned and occupied by two individuals who bought it in November 2020.

Source: Pawtucket City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 HARDING ST, PAWTUCKET, RI 02861-1909
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
Aug 23, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Nov 2, 2020	Warranty Deed, Transfer NOT AVAILABLE
Nov 2, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2020 · Amount on File
Deed Sale	Nov 2, 2020 · Amount on File
Deed Document Number	202044
Deed Book / Page	4586 / 339
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAWTUCKET RI
Property Address	21 HARDING ST, PAWTUCKET, RI 02861-1909
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005015-111
Date	Aug 23, 2023
Book Page	5015/111
Instrument	16

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAWTUCKET RI
Recording Date	Nov 2, 2020
Property Address	21 HARDING ST, PAWTUCKET, RI 02861-1909
Document Number	4586-341
Book / Page	004586 / 000341
Instrument Date	Oct 30, 2020
Instrument	45
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 HARDING ST PAWTUCKET RI 028611909, PAWTUCKET, RI 02861-1909

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	PAWTUCKET RI
Recording Date	Nov 2, 2020
Property Address	21 HARDING ST, PAWTUCKET, RI 02861-1909
Document Number	4586-339
Book / Page	4586 / 339
Instrument Date	Oct 30, 2020
Instrument	44
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount 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

Tax Assessment & Valuation

The 2025 property tax bill for 21 Harding St was $3,785.

Source: Pawtucket City assessment roll, as of June 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,785.00	$287,800 Land $118,200 Building $169,600	$371,806
2023	$3,549.00 (+2.16%)	$209,500 (-) Land $73,900 Building $135,600
2022	$3,474.00	$209,500 Land $73,900 Building $135,600

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

Flood

FEMA maps place 21 Harding 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 21 Harding 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 886 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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