77 Clay St, Central Falls, RI 02863 Property Records

Central Falls City property record for 77 Clay St, Central Falls, RI 02863

Property Summary

Property Type	Multi-Family Dwellings
Details	8 bd · 3 ba · 3,498 sqft · built 1900
Lot Size	0.181 acres (7,876 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Sep 2005)
Tax Bill	$6,667 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7-2431-32`

Property Details

APN / Parcel Number

Primary APN	`7-2431-32`
Alternative APN	`CENT M:05 P:55`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Stories	3 Stories
Building Area	3,498 sqft Living Area
Gross Area	5,005 sqft
1st Floor Area	1,305 sqft
Basement Area	1,369 sqft
Unfinished Basement	969 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,876 sqft (0.181 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7-2431-32
Street Address	77 CLAY ST
City	CENTRAL FALLS
State	RI
Zip	02863-3053
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R-3
Jurisdiction	CENTRAL FALLS RI
Township / Civil Division	CENTRAL FALLS
Census Block Group	3
Census Block	3008
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

77 Clay St, a residential property, is owned and occupied by two individuals who bought it in September 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	77 CLAY ST, CENTRAL FALLS, RI 02863-3053
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit NAVIGANT CREDIT UNION
Apr 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL FALLS CITY OF
Apr 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL FALLS CITY OF
Apr 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2005 · Amount on File
Deed Sale	Sep 29, 2005 · Amount on File
Prior Sale	Jan 12, 2001 · Amount on File
Deed Book / Page	631 / 149
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Recording Date	Sep 1, 2026
Property Address	77 CLAY ST, CENTRAL FALLS, RI 02863-3053
Document Number	0000001228
Book / Page	1123 / 200
Instrument Date	Aug 21, 2026
Instrument	20261228
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 CLAY ST, CENTRAL FALLS, RI 02863-3053

Mortgage

Document Number	0000001228,
Date	Sep 1, 2026
Book Page	1123/200
Instrument	20261228

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	77 CLAY ST, CENTRAL FALLS, RI 02863-3053
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000952-64
Date	Apr 10, 2019
Book Page	952/64
Instrument	416

Lender

Name	CENTRAL FALLS CITY OF

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	77 CLAY ST, CENTRAL FALLS, RI 02863-3053
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000952-46
Date	Apr 10, 2019
Book Page	952/46
Instrument	414

Lender

Name	CENTRAL FALLS CITY OF

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRAL FALLS RI
Property Address	77 CLAY ST, CENTRAL FALLS, RI 02863-3053
Document Number	952-39
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 CLAY ST CENTRAL FALLS RI 028633053, CENTRAL FALLS, RI 02863-3053

Mortgage

Document Number	952-39
Date	Apr 10, 2019
Book Page	000952/000039
Instrument	413

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 77 Clay St was $6,667.

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	$6,667.00	$504,700 Land $133,800 Building $370,900
2023	$5,878.00 (+6.24%)	$316,900 (-) Land $89,900 Building $227,000
2022	$5,533.00	$316,900 Land $89,900 Building $227,000

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

Flood

FEMA maps place 77 Clay 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 77 Clay 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.

Nearby Properties on Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures