81 Ledge St, Providence, RI 02904 Property Records

Providence City property record for 81 Ledge St, Providence, RI 02904

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,048 sqft · built 1910
Lot Size	0.081 acres (3,516 sqft)
Owner	Individual Name on File
Last Sale	$612,000 (Jul 2024)
Tax Bill	$3,794 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PROV M:77 L:26`

Property Details

APN / Parcel Number

Primary APN	`PROV M:77 L:26`
Alternative APNs	`P:0770026 L:0000` `35373`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,048 sqft Living Area
Gross Area	4,265 sqft
1st Floor Area	1,016 sqft
Basement Area	1,016 sqft
Unfinished Basement	1,016 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	3,516 sqft (0.081 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	35373
Street Address	81 LEDGE ST
City	PROVIDENCE
State	RI
Zip	02904-2375
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R-3
Legal Lot Number	26
Jurisdiction	PROVIDENCE RI
Township / Civil Division	PROVIDENCE
Census Block Group	3
Census Block	3003
Census Tract	2900

Owner

81 Ledge St, a triplex, is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	81 LEDGE ST, PROVIDENCE, RI 02904-2375
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jul 17, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NEW AMERICAN FUNDING
Oct 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GREENWOOD CU
Mar 12, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage SEMPER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2024 · Amount on File
Deed Sale	Jul 17, 2024 · Amount on File
Prior Sale	Mar 12, 2019 · Amount on File
Deed Document Number	2024371649
Deed Book / Page	14181 / 68
Record Updated	Oct 29, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROVIDENCE RI
Recording Date	Jul 17, 2024
Property Address	81 LEDGE ST, PROVIDENCE, RI 02904-2375
Document Number	0014181-68
Book / Page	14181 / 68
Instrument Date	Jul 16, 2024
Instrument	2024371649
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 LEDGE ST, PROVIDENCE, RI 02904-2375

Mortgage

Document Number	2024371650
Date	Jul 17, 2024
Instrument	2024371650

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROVIDENCE RI
Property Address	81 LEDGE ST, PROVIDENCE, RI 02904-2375
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	012863-163
Date	Oct 6, 2020
Book Page	12863/163
Instrument	2020266918

Lender

Name	GREENWOOD CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROVIDENCE RI
Recording Date	Mar 12, 2019
Property Address	81 LEDGE ST, PROVIDENCE, RI 02904-2375
Document Number	012302-231
Book / Page	12302 / 231
Instrument Date	Mar 12, 2019
Instrument	222099
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 LEDGE ST # 85, 85, PROVIDENCE, RI 02904-2375

Mortgage

Document Number	0000222100
Date	Mar 12, 2019
Instrument	222100

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 81 Ledge St was $3,794.

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
2025	$3,794.00	$502,500 Land $127,200 Building $375,300
2023	$5,861.00 (+3.1%)	$319,400 (-) Land $67,600 Building $251,800
2022	$5,685.00	$319,400 Land $67,600 Building $251,800

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

Flood

FEMA maps place 81 Ledge St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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 · rainfall accumulation

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

The area around 81 Ledge 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 681 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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