81 Smith St, Cranston (Providence), RI 02905 Property Records

Cranston City property record for 81 Smith St, Cranston, RI 02905

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,134 sqft · built 1924
Lot Size	0.073 acres (3,200 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,009 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`CRAN M:2-4 L:185 U`

Property Details

APN / Parcel Number

Primary APN	`CRAN M:2-4 L:185 U`
Alternative APNs	`M:2=4 L:185 U` `8141440`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,134 sqft Living Area
Gross Area	2,082 sqft
1st Floor Area	648 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,200 sqft (0.073 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	8141440
Street Address	81 SMITH ST
City	CRANSTON
State	RI
Zip	02905-4218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2
Legal Lot Number	185
Jurisdiction	CRANSTON RI
Township / Civil Division	CRANSTON
Census Block Group	1
Census Block	1008
Census Tract	13500

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	81 SMITH ST, CRANSTON, RI 02905-4218
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 14, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 13, 2025
Transfer Doc	006942-138
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRANSTON RI
Recording Date	Aug 12, 2026
Property Address	81 SMITH ST, CRANSTON, RI 02905-4218
Document Number	0000075170
Book / Page	7140 / 307
Instrument Date	Jul 31, 2026
Instrument	202675170
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075170,
Date	Aug 12, 2026
Book Page	7140/307
Instrument	202675170

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRANSTON RI
Property Address	81 SMITH ST, CRANSTON, RI 02905-4218
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006672-334
Date	Jul 14, 2023
Book Page	6672/334
Instrument	64240

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Cranston City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Cranston City
Unified School District	Cranston School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,009.00 (+3.43%)	$288,800 (+40.81%) Land $101,300 Building $187,500	$304,959
2023	$3,876.00 (+2.11%)	$205,100 (-) Land $69,900 Building $135,200
2022	$3,796.00	$205,100 Land $69,900 Building $135,200

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	37 units insured incl. 33 condo units
Nearby Flood Claims	4 (2005–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	CNE - NEW LONDON TURNPIKE ENTRY POINT private · serves 9,999 people · EPA ID RI2980453
Water Source	Purchased groundwater from KENT COUNTY WATER AUTHORITY
Last State Inspection	Jul 2025
Also Mapped Here	PROVIDENCE-CITY OF
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018 E. coli not recorded as resolved · Dec 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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