North Smithfield Town property record for 398 Central St, North Smithfield, RI 02896
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,248 sqft · built 1963 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Sep 2025) |
| Tax Bill | $5,520 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | NSMI M:0001 L:0020 |
| Primary APN | NSMI M:0001 L:0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Gross Area | 2,526 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,168 sqft |
| Unfinished Basement | 1,168 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3508 |
|---|---|
| Street Address | 398 CENTRAL ST |
| City | NORTH SMITHFIELD |
| State | RI |
| Zip | 02896-7603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU |
| Legal Lot Number | 20 |
| Jurisdiction | NORTH SMITHFIELD RI |
| Township / Civil Division | NORTH SMITHFIELD |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 12801 |
398 Central St is owned and occupied by two individuals who bought it in September 2025.
Source: North Smithfield Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 398 CENTRAL ST, NORTH SMITHFIELD, RI 02896-7603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Sep 17, 2025 | Warranty Deed, Transfer MOVEMENT MORTGAGE |
| Nov 3, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2025 · Amount on File |
| Deed Sale | Sep 17, 2025 · Amount on File |
| Prior Sale | Nov 3, 2021 · Amount on File |
| Deed Book / Page | 1028 / 281 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTH SMITHFIELD RI |
| Recording Date | Sep 17, 2025 |
| Property Address | 398 CENTRAL ST, NORTH SMITHFIELD, RI 02896-7603 |
| Document Number | 001028-281 |
| Book / Page | 1028 / 281 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 55125 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 398 CENTRAL ST, NORTH SMITHFIELD, RI 02896-7603 |
| Document Number | 0000055126 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 55126 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Number | 001028-308 |
|---|---|
| Date | Sep 17, 2025 |
| Book Page | 1028/308 |
| Instrument | 55127 |
| Name | RHODE ISLAND HOUSING & MTG FIN CORP |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTH SMITHFIELD RI |
| Recording Date | Nov 3, 2021 |
| Property Address | 398 CENTRAL ST, NORTH SMITHFIELD, RI 02896-7603 |
| Document Number | 921-220 |
| Book / Page | 921 / 220 |
| Instrument Date | Nov 3, 2021 |
| Instrument | 47181 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 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 | 398 CENTRAL ST, NORTH SMITHFIELD, RI 02896-7603 |
| Document Number | 47182 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 47182 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 398 Central St was $5,520, up 17.7% from the year before.
Source: North Smithfield Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | North Smithfield Town |
| Unified School District | North Smithfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,520.00 (+17.67%) | $480,000 (+51.13%) Land $107,900 Building $372,100 | $494,452 |
| 2024 | $4,691.00 (+3.65%) | $317,600 (-) Land $90,000 Building $227,600 | |
| 2023 | $4,526.00 (+2.44%) | $317,600 (-) Land $90,000 Building $227,600 | |
| 2022 | $4,418.00 | $317,600 Land $90,000 Building $227,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 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 | 5 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 risk around 398 Central St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
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