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45 Allard St, Cranston, RI, 02920

2beds
2baths
930sqft
$419,000
$451price/sqft
$3,155/moest. monthly cost
$126,200/yrincome needed

About This Home

Don't miss this opportunity, this fully renovated 2 Bedroom 2 Bath Ranch home is ready for a new owner. The Primary Suite includes a Bath/Shower and Laundry area, office/study with sliders to patio and access to an oversized yard. Kitchen with new stainless appliances, center island with granite and great room with soaring ceilings. The shed offers plenty of storage. Additional washer and dryer in the basement. Manicured lawn and yard. An ideal first home or condo alternative; all on one level!

Getting Around

62
WalkingSomewhat Walkable
26
TransitSome Transit
64
BikeBikeable

Schools

6/10
Oak Lawn SchoolGrades K-50.1 mi
7/10
9/10
Cranston High School WestGrades 9-121.9 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Stone
  • Construction materials: Dry Wall,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Dryer,Microwave,Oven/Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Partial,Bulkhead,Unfinished,Laundry,Storage Space,Utility

Bathroom

  • Features: Bath w Shower Stall, Bath w Tub & Shower

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Wall (Dry Wall),Plumbing (Mixed),Insulation (Walls)
  • Door features: Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Ceramic Tile,Hardwood,Laminate
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 930

Heating

  • Heating features: Natural Gas,Forced Water

Interior Area

  • Total structure area: 930
  • Total interior livable area: 930 sqft

Property

Details

  • Parcel number: CRANM184L812U
  • Zoning: A6
  • Other equipment: Cable TV

Features

  • Patio & porch: Patio

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 2
  • Parking features: No Garage

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hurricane
Heat Wave
Tsunami

FEMA Declared Disasters Across Rhode Island Counties

Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,118$25,416
Home Insurance *$174$2,088
Property Taxes $474$5,688
Electricity $389$4,675
Total$3,155$37,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,171/yr
40% on housing$94,650/yr
45% on housing$84,133/yr

Rhode Island FAIR Plan Programs

Rhode Island Joint Reinsurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 16,029Commercial: 109
Total Premiums$36.73M
Total Exposure$6.14B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 6.7%
6.7%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$451This listing

vs Other Active Listings

Avg $/sqft

ZIP 02920$225
Providence County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 02920$254
Providence County$271

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-15Price change$410,000
2026-08-08Listed for sale$419,000
2026-08-08Listing removed$419,000
2026-08-05Listed for sale$419,000
2023-12-13Sold$300,000
2023-12-04Pending sale$275,000
2023-11-14Contingent$275,000
2023-11-09Listed for sale$275,000

For Sale by Agent

AgentDiane Lazarus
BrokerageColdwell Banker Realty

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