Providence City property record for 45 Savoy St, Providence, RI 02906
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,486 sqft · built 2003 |
| Lot Size | 0.094 acres (4,111 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Feb 2023) |
| Tax Bill | $7,498 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Feb 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PROV M:7 L:115 |
| Primary APN | PROV M:7 L:115 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,486 sqft Living Area |
| Gross Area | 3,891 sqft |
| 1st Floor Area | 1,369 sqft |
| Basement Area | 1,369 sqft |
| Unfinished Basement | 1,369 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Central Vacuum | Central Vacuum |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,111 sqft (0.094 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 32690 |
|---|---|
| Street Address | 45 SAVOY ST |
| City | PROVIDENCE |
| State | RI |
| Zip | 02906-3417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Lot Number | 115 |
| Jurisdiction | PROVIDENCE RI |
| Township / Civil Division | PROVIDENCE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 3200 |
45 Savoy St is owned and occupied by two individuals who bought it in February 2023.
Source: Providence City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 SAVOY ST, PROVIDENCE, RI 02906-3417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 6, 2026 | Deed of Trust, Mortgage · Line of Credit BAYCOAST BANK |
| Feb 24, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage BAYCOAST MORTGAGE COMPANY |
| May 26, 2022 | Warranty Deed, Transfer |
| Mar 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK |
| Jan 19, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2023 · Amount on File |
| Deed Sale | Feb 24, 2023 · Amount on File |
| Prior Sale | May 26, 2022 · Amount on File |
| Deed Document Number | 2023341216 |
| Deed Book / Page | 13808 / 325 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Property Address | 45 SAVOY ST, PROVIDENCE, RI 02906-3417 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00014623-1 |
|---|---|
| Date | Jan 6, 2026 |
| Book Page | 14623/1 |
| Instrument | 2026407613 |
| Name | BAYCOAST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Feb 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Recording Date | Feb 24, 2023 |
| Property Address | 45 SAVOY ST, PROVIDENCE, RI 02906-3417 |
| Document Number | 013808-325 |
| Book / Page | 13808 / 325 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2023341216 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| 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 | 11 JOHN ST, PROVIDENCE, RI 02906-1007 |
| Document Number | 2023341217 |
|---|---|
| Date | Feb 24, 2023 |
| Instrument | 2023341217 |
| Name | BAYCOAST MORTGAGE COMPANY |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Type Change Date | Mar 1, 2028 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Recording Date | May 26, 2022 |
| Property Address | 45 SAVOY ST, PROVIDENCE, RI 02906-3417 |
| Document Number | 0013579-38 |
| Book / Page | 13579 / 38 |
| Instrument Date | May 25, 2022 |
| Instrument | 2022321758 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 SAVOY ST, PROVIDENCE, RI 02906-3417 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Property Address | 45 SAVOY ST, PROVIDENCE, RI 02906-3417 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 13047-115 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 13047/115 |
| Instrument | 2021280917 |
| Name | WEBSTER BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | Apr 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROVIDENCE RI |
| Property Address | 45 SAVOY ST, PROVIDENCE, RI 02906-3417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 12981-185 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 12981/185 |
| Instrument | 2021276030 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45 Savoy St was $7,498.
Source: Providence City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Providence City |
| Unified School District | Providence School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,498.00 | $892,600 Land $480,700 Building $411,900 | $1,002,107 |
| 2023 | $11,770.00 (+3.9%) | $641,400 (+0.79%) Land $304,400 Building $337,000 | |
| 2022 | $11,328.00 | $636,400 Land $304,400 Building $332,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Savoy 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 risk around 45 Savoy St is low, with less than 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 99.1% of the US · lower than 97.9% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 849 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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