431 Central St, Central Falls, RI 02863 Property Records

Central Falls City property record for 431 Central St, Central Falls, RI 02863

Property Summary

Property Type	Multi-Family Dwellings
Details	8 bd · 3 ba · 2,976 sqft · built 1900
Lot Size	0.106 acres (4,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$577,000 (Dec 2024)
Tax Bill	$5,890 (2025)
Deeds & Mortgages	Dec 2019 Refinance Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-0331-04`

Property Details

APN / Parcel Number

Primary APN	`1-0331-04`
Alternative APN	`CENT M:06 P:38`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,976 sqft Living Area
Gross Area	4,188 sqft
1st Floor Area	1,080 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,600 sqft (0.106 acres)

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas

Location & Zoning

Account Number	1-0331-04
Street Address	431 CENTRAL ST
City	CENTRAL FALLS
State	RI
Zip	02863-6213
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	M-1
Jurisdiction	CENTRAL FALLS RI
Township / Civil Division	CENTRAL FALLS
Census Block Group	2
Census Block	2014
Census Tract	11100

Owner

Source: Central Falls City records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	431 CENTRAL ST, CENTRAL FALLS, RI 02863-6213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Sep 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2024 · Amount on Record
Deed Sale	Dec 23, 2024 · Amount on Record
Prior Sale	Aug 1, 1996 · Amount on Record
Deed Document Number	20241462
Deed Book / Page	1085 / 335
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	431 CENTRAL ST, CENTRAL FALLS, RI 02863-6213
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000968-176
Date	Dec 30, 2019
Book Page	968/176
Instrument	1756

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	431 CENTRAL ST, CENTRAL FALLS, RI 02863-6213
Document Number	942-314
Instrument Date	Sep 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 CENTRAL ST CENTRAL FALLS RI 028632635, CENTRAL FALLS, RI 02863-2635

Mortgage

Document Number	942-314
Date	Oct 22, 2018
Book Page	000942/000314
Instrument	1418

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$5,890.00 (+7.09%)	$445,900 (+50.39%) Land $103,300 Building $342,600
2023	$5,500.00 (+54.58%)	$296,500 (-) Land $77,900 Building $218,600
2022	$3,558.00	$296,500 Land $77,900 Building $218,600

Assessed value is set for property tax purposes and is not a market price estimate.

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 Claims	1 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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	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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