304 Pearl St, Providence, RI 02907 Property Records

Providence City property record for 304 Pearl St, Providence, RI 02907

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	20 bd · 90,802 sqft · built 1920
Lot Size	2.3 acres (100,331 sqft)
Owner	Individual Name on Record
Last Sale	$660,500 (Apr 2024)
Tax Bill	$114,902 (2025)
Deeds & Mortgages	Mar 2022 Refinance Apr 2024 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`PROV M:30 L:22`

Property Details

APN / Parcel Number

Primary APN	`PROV M:30 L:22`
Alternative APNs	`P:0300022 L:0000` `15785`

Interior

Bedrooms	20 Beds
Units	80 Units
Stories	3 Stories
Building Area	90,802 sqft Total Area
1st Floor Area	61,136 sqft
Basement Area	10,824 sqft
Unfinished Basement	10,824 sqft
Elevator	Elevator

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Glass
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	100,331 sqft (2.3 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Oil

Location & Zoning

Account Number	15785
Street Address	304 PEARL ST
City	PROVIDENCE
State	RI
Zip	02907-2215
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	M-MU-7
Legal Lot Number	22
Jurisdiction	PROVIDENCE RI
Township / Civil Division	PROVIDENCE
Census Block Group	1
Census Block	1004
Census Tract	1200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Broadway-Armory Historic District listed 1974 · 1,098 contributing resources · NRIS 74000047
Individually Listed	New England Butt Company listed 1980 · 1 contributing resources · NRIS 80000001

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	300 PEARL ST, 306, PROVIDENCE, RI 02907-2279
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES UNITED BANK
Apr 15, 2024	Warranty Deed, Transfer
Dec 15, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Nov 21, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage PEOPLES UNITED BANK
Dec 31, 2018	Deed of Trust, Mortgage ARMORY DEV SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2024 · Amount on Record
Deed Sale	Apr 15, 2024 · Amount on Record
Prior Sale	Dec 15, 2023 · Amount on Record
Deed Book / Page	14104 / 158
Prior Transfer Date	Nov 14, 2023
Prior Transfer Doc	0014011-64
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROVIDENCE RI
Property Address	304 PEARL ST, PROVIDENCE, RI 02907-2215
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	013520-106
Date	Mar 31, 2022
Book Page	13520/106
Instrument	2022317084

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROVIDENCE RI
Recording Date	Apr 15, 2024
Property Address	304 PEARL ST, PROVIDENCE, RI 02907-2215
Document Number	014104-158
Book / Page	14104 / 158
Instrument Date	Apr 15, 2024
Instrument	2024365542
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
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	300 PEARL ST UNIT 306, 306, PROVIDENCE, RI 02907-2279

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROVIDENCE RI
Recording Date	Dec 15, 2023
Property Address	304 PEARL ST, PROVIDENCE, RI 02907-2215
Document Number	014030-173
Book / Page	14030 / 173
Instrument Date	Dec 11, 2023
Instrument	2023359178
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	304 PEARL ST UNIT 109, 109, PROVIDENCE, RI 02907-2222

Mortgage

Document Number	2023359179
Date	Dec 15, 2023
Instrument	2023359179

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2055

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PROVIDENCE RI
Recording Date	Nov 21, 2023
Property Address	304 PEARL ST, PROVIDENCE, RI 02907-2215
Document Number	0014011-64
Book / Page	14011 / 64
Instrument Date	Nov 14, 2023
Instrument	2023357699
Transaction Type	Transfer
Record Updated	Oct 16, 2025

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROVIDENCE RI
Recording Date	Dec 20, 2019
Property Address	304 PEARL ST, PROVIDENCE, RI 02907-2215
Document Number	12587-176
Book / Page	12587 / 176
Instrument Date	Nov 26, 2019
Instrument	2019245261
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 IVALDO ST #STE 10 # STE10, 10, SOMERVILLE, MA 02143-3656

Mortgage

Document Number	2019245262
Date	Dec 20, 2019
Instrument	2019245262

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROVIDENCE RI
Property Address	304 PEARL ST, PROVIDENCE, RI 02907-2215
Document Number	12526-147
Instrument Date	Dec 31, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	334 BROADWAY PROVIDENCE RI 029091102, PROVIDENCE, RI 02909-1102

Mortgage

Document Number	12526-147
Date	Oct 28, 2019
Book Page	012526/000147
Instrument	240385

Lender

Name	ARMORY DEV SVCS

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$114,902.00 (-41.7%)	$7,870,000 (+45.12%) Land $538,300 Building $7,331,700	$477,938
2023		$5,423,200 (-17.14%) Land $779,000 Building $4,644,200
2022		$6,544,800 Land $779,000 Building $5,765,800
2019	$197,083.00

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

Flood

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	1 in force

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

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 520 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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