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2 Carder St, Providence, RI, 02904

3beds
1baths
1,524sqft
$372,500
$244price/sqft
$2,871/moest. monthly cost
$114,840/yrincome needed

About This Home

With undeniable curb appeal and timeless charm, this delightful Cape Cod–style home sits proudly on a corner lot, complete with a two-car garage and a classic white picket fence. Step inside to a spacious living room that flows seamlessly into the dining area, where a vaulted ceiling and beautiful bay window flood the space with natural light. The kitchen offers both functionality and comfort—perfect for everyday cooking and entertaining. Upstairs, you’ll find three bedrooms and a brand-new full bathroom, offering modern comfort and style. On the lower level you'll find a finished basement that provides valuable bonus living space with a full walkout, perfect for a family room, home office, or guest area. Outside, enjoy your own private oasis. The beautifully maintained yard is fully enclosed by a white vinyl fence and showcases an exquisite garden with mature plants. A truly warm and inviting place to call home!

Getting Around

75
WalkingVery Walkable
36
TransitSome Transit
33
BikeSomewhat Bikeable

Schools

3/10
Veazie Street SchoolGrades K-50.5 mi
2/10
2/10

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Laminate
  • Fireplace features: None
  • Finished area below ground: 636
  • Finished area above ground: 888

Heating & Cooling

  • Heating features: Natural Gas,Steam
  • Cooling features: None

Interior Area

  • Total structure area: 888
  • Total interior livable area: 1,524 sqft

Property

Details

  • Parcel number: PROVM78L274

Lot

  • Lot size: 3,201 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

  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Inland Flooding
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 $1,883$22,596
Home Insurance *$163$1,956
Property Taxes $436$5,232
Electricity $389$4,675
Total$2,871$34,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,434/yr
40% on housing$86,130/yr
45% on housing$76,560/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

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 02904$201
Providence County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 02904$256
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
2026-05-01Listed for sale$375,000
2010-08-05Sold$97,200

For Sale by Agent

AgentMasiell Luna
BrokerageMy Dream Home Realty

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