315 Central St, Central Falls, RI 02863 Property Records

Central Falls City property record for 315 Central St, Central Falls, RI 02863

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,745 sqft · built 1900
Lot Size	0.216 acres (9,426 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jan 2025)
Tax Bill	$4,565 (2025)
Deeds & Mortgages	Dec 2021 Refinance Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-1456-99`

Property Details

APN / Parcel Number

Primary APN	`2-1456-99`
Alternative APN	`CENT M:06 P:305`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,745 sqft Living Area
Gross Area	3,690 sqft
1st Floor Area	1,179 sqft
Basement Area	1,149 sqft
Unfinished Basement	1,149 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,426 sqft (0.216 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	2-1456-99
Street Address	315 CENTRAL ST
City	CENTRAL FALLS
State	RI
Zip	02863-2708
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	2
Census Block	2013
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

315 Central St is owned by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	39 WASHINGTON ST, CENTRAL FALLS, RI 02863-2806
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Oct 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on File
Deed Sale	Jan 31, 2025 · Amount on File
Prior Sale	Jan 31, 2013 · Amount on File
Deed Document Number	20251607
Deed Book / Page	1088 / 87
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	315 CENTRAL ST, CENTRAL FALLS, RI 02863-2708
Transaction Type	Mortgage
Record Updated	Jan 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001021-91
Date	Dec 23, 2021
Book Page	1021/91
Instrument	2115

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	315 CENTRAL ST, CENTRAL FALLS, RI 02863-2708
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1014-61
Date	Oct 13, 2021
Book Page	1014/61
Instrument	1623

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	315 CENTRAL ST, CENTRAL FALLS, RI 02863-2708
Document Number	962-60
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CENTRAL ST CENTRAL FALLS RI 028632708, CENTRAL FALLS, RI 02863-2708

Mortgage

Document Number	962-60
Date	Sep 27, 2019
Book Page	000962/000060
Instrument	1244

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 26, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 315 Central St was $4,565.

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	$4,565.00	$345,600 Land $123,600 Building $222,000	$402,370
2023	$5,220.00 (+6.25%)	$281,400 (-) Land $86,500 Building $194,900
2022	$4,913.00	$281,400 Land $86,500 Building $194,900

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

Flood

FEMA maps place 315 Central St in Zone X, an area of minimal flood risk.

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

The area around 315 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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