278 Central St, Central Falls, RI 02863 Property Records

Central Falls City property record for 278 Central St, Central Falls, RI 02863

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,978 sqft · built 1868
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,421 (2025)
Deeds & Mortgages	Nov 2022 Refinance Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-0461-00`

Property Details

APN / Parcel Number

Primary APN	`18-0461-00`
Alternative APN	`CENT M:05 P:77`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,978 sqft Living Area
Gross Area	3,060 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	592 sqft

Exterior

Year Built	Built 1868
Effective Year Built	Effective 1868
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,799 sqft (0.202 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	18-0461-00
Street Address	278 CENTRAL ST
City	CENTRAL FALLS
State	RI
Zip	02863-2707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Jurisdiction	CENTRAL FALLS RI
Township / Civil Division	CENTRAL FALLS
Census Block Group	3
Census Block	3001
Census Tract	10800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

278 Central St is owned and occupied by two individuals.

Source: Central Falls City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	278 CENTRAL ST, CENTRAL FALLS, RI 02863-2707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Mar 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	278 CENTRAL ST, CENTRAL FALLS, RI 02863-2707
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001043-224
Date	Nov 28, 2022
Book Page	1043/224
Instrument	1703

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2037

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	278 CENTRAL ST, CENTRAL FALLS, RI 02863-2707
Document Number	906-150
Book / Page	000906 / 000150
Instrument Date	Mar 6, 2017
Transaction Type	Mortgage
Record Updated	Mar 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	906-150
Date	Mar 10, 2017
Book Page	000906/000150
Instrument	235

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 9, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 278 Central St was $4,421.

Source: Central Falls City assessment roll, as of June 22, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,421.00	$334,700 Land $120,900 Building $213,800	$362,914
2023	$5,103.00 (+54.59%)	$275,100 (-) Land $85,500 Building $189,600
2022	$3,301.00	$275,100 Land $85,500 Building $189,600

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

Flood

FEMA maps place 278 Central 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 278 Central 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 580 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
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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