Providence City property record for 23 Ray St, Providence, RI 02906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,159 sqft · built 1930 |
| Lot Size | 0.092 acres (4,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $479,000 (May 2019) |
| Tax Bill | $6,876 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PROV M:93 L:231 |
| Primary APN | PROV M:93 L:231 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,159 sqft Living Area |
| Gross Area | 3,690 sqft |
| 1st Floor Area | 1,223 sqft |
| Attic | Attic |
| Attic Area | 233 sqft |
| Basement Area | 742 sqft |
| Unfinished Basement | 742 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 4,002 sqft (0.092 acres) |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 42189 |
|---|---|
| Street Address | 23 RAY ST |
| City | PROVIDENCE |
| State | RI |
| Zip | 02906-4814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Lot Number | 231 |
| Jurisdiction | PROVIDENCE RI |
| Township / Civil Division | PROVIDENCE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 3400 |
23 Ray St is owned and occupied by two individuals who bought it in May 2019.
Source: Providence City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 RAY ST, PROVIDENCE, RI 02906-4814 |
| 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.
| Date | Document |
|---|---|
| Aug 21, 2020 | Deed of Trust, Mortgage · Balloon Mortgage THE WASHINGTON TRUST CO OF WESTERLY |
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BEELINE LOANS INC |
| May 23, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOME LOAN AND INVESTMENT BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2019 · Amount on File |
| Deed Sale | May 23, 2019 · Amount on File |
| Deed Document Number | 2019227386 |
| Deed Book / Page | 12365 / 103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Property Address | 23 RAY ST, PROVIDENCE, RI 02906-4814 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 12811-307 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 12811/307 |
| Instrument | 2020262852 |
| Name | THE WASHINGTON TRUST CO OF WESTERLY |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Property Address | 23 RAY ST, PROVIDENCE, RI 02906-4814 |
| Document Number | 12710-184 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 23 RAY ST PROVIDENCE RI 029064814, PROVIDENCE, RI 02906-4814 |
| Document Number | 12710-184 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 012710/000184 |
| Instrument | 255056 |
| Name | BEELINE LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 4, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Recording Date | May 23, 2019 |
| Property Address | 23 RAY ST, PROVIDENCE, RI 02906-4814 |
| Document Number | 12365-103 |
| Book / Page | 12365 / 103 |
| Instrument Date | May 20, 2019 |
| Instrument | 227386 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 RAY ST, PROVIDENCE, RI 02906-4814 |
| Document Number | 227387 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 227387 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 23 Ray St was $6,876.
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 | $6,876.00 | $818,600 Land $480,000 Building $338,600 | $897,917 |
| 2023 | $11,740.00 (+3.09%) | $639,800 (-) Land $304,000 Building $335,800 | |
| 2022 | $11,388.00 | $639,800 Land $304,000 Building $335,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Ray St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1999.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 4 (1999–2023) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2023 · alluvial fan 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.
The area around 23 Ray 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.
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 849 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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