581 Smith St, Providence, RI 02908 Property Records

Providence City property record for 581 Smith St, Providence, RI 02908

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,429 sqft · built 1872
Lot Size	0.068 acres (2,983 sqft)
Owner	Individual Name on File
Tax Bill	$3,652 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`PROV M:69 L:1`

Property Details

APN / Parcel Number

Primary APN	`PROV M:69 L:1`
Alternative APNs	`P:0690001 L:0000` `32267`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,429 sqft Living Area
Gross Area	3,749 sqft
1st Floor Area	1,256 sqft
Basement Area	1,256 sqft
Unfinished Basement	1,256 sqft

Exterior

Year Built	Built 1872
Effective Year Built	Effective 1872
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	2,983 sqft (0.068 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	32267
Street Address	581 SMITH ST
City	PROVIDENCE
State	RI
Zip	02908-4350
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-4
Legal Lot Number	1
Jurisdiction	PROVIDENCE RI
Township / Civil Division	PROVIDENCE
Census Block Group	3
Census Block	3013
Census Tract	2600

Historic Designation

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

Individually Listed	Dowler, Charles, House listed 1984 · 1 contributing resources · NRIS 84001955

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

Owner

581 Smith St, a duplex, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	581 SMITH ST, PROVIDENCE, RI 02908-4350
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2019	Deed of Trust, Mortgage · Line of Credit PAWTUCKET CU
Jun 25, 2018	Deed of Trust, Mortgage · Line of Credit PAWTUCKET CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROVIDENCE RI
Property Address	581 SMITH ST, PROVIDENCE, RI 02908-4350
Document Number	12515-204
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 SMITH ST PROVIDENCE RI 029084350, PROVIDENCE, RI 02908-4350

Mortgage

Document Number	12515-204
Date	Oct 17, 2019
Book Page	012515/000204
Instrument	239539

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROVIDENCE RI
Property Address	581 SMITH ST, PROVIDENCE, RI 02908-4350
Document Number	12099-273
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 SMITH ST PROVIDENCE RI 029084350, PROVIDENCE, RI 02908-4350

Mortgage

Document Number	12099-273
Date	Jul 16, 2018
Book Page	012099/000273
Instrument	204668

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 15, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 581 Smith St was $3,652.

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	$3,652.00	$483,700 Land $142,200 Building $341,500	$491,586
2023	$5,668.00 (+3.09%)	$308,900 (-) Land $60,400 Building $248,500
2022	$5,498.00	$308,900 Land $60,400 Building $248,500

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

Flood

FEMA maps place 581 Smith St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 581 Smith 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	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 703 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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