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23 Grand St, Providence, RI, 02907

4beds
1baths
1,175sqft
$305,000
$260price/sqft
$2,514/moest. monthly cost
$100,560/yrincome needed

About This Home

23 Grand is a spacious 4-5 bedroom cottage offering excellent potential and room to grow. Hardwood floors flow throughout the property. Flexible space includes a formal dining room, double living rooms, an eat-in kitchen, and an extra-large upper bedroom that was once two rooms. A sunroom and detached two-car garage are ideal for adding more living space, storage, and parking. Conveniently located near shopping, Rhode Island Hospital, and major highways, the property offers strong accessibility. Cosmetic upgrades are needed, presenting an excellent opportunity to customize the property. The property is eligible for a Streamline 203 (k) renovation loan for interior paint, making it a compelling option for homeowners and investors alike seeking to build equity. A fabulous investment option!

Getting Around

73
WalkingVery Walkable
46
TransitSome Transit
60
BikeBikeable

Schools

7/10
2/10
1/10

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Unknown
  • Construction materials: Shingles,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Ceramic Tile,Hardwood
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,175

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,175
  • Total interior livable area: 1,175 sqft

Property

Details

  • Parcel number: PROVM43L150

Lot

  • Lot size: 3,049 sqft

Parking

  • Total spaces: 4
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
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 $1,542$18,504
Home Insurance *$226$2,712
Property Taxes $357$4,284
Electricity $389$4,675
Total$2,514$30,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,194/yr
40% on housing$75,420/yr
45% on housing$67,040/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

$260This listing

vs Other Active Listings

Avg $/sqft

ZIP 02907$222
Providence County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 02907$285
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
2026-07-24Listed for sale$305,000
2003-08-19Sold$160,000

For Sale by Agent

AgentJoy Riley
BrokerageWestcott Properties

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