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41 Harmony Dr, Providence, RI, 02909

4beds
2baths
2,112sqft
$575,000
$272price/sqft
$4,327/moest. monthly cost
$173,080/yrincome needed

About This Home

Beautifully maintained, side-by-side duplex with an enviable rental history in a predominately single family neighborhood, near a golf course and Rhode Island College. A terrific opportunity for owner-occupants and/or investors (1031 exchange) given the nearly identical duplex next door is simultaneously offered for sale (by both properties' original owner). Appealing, contemporary, open layout, attractively painted in neutral tones, tile, some engineered, and mostly hardwood flooring throughout. Living, dining and kitchen are on first level, bedrooms and pretty bathroom on the second, nicely anchored with separate, tidy basements. Tenants are responsible for utilities (dual zoned heating in each unit). Vinyl siding, replacement windows, good mechanicals, and current lead safe certificates. Taxes do not reflect owner-occupied tax rate. All units are currently occupied (month-to-month leases).

Getting Around

59
WalkingSomewhat Walkable
43
TransitSome Transit
27
BikeSomewhat Bikeable

Schools

5/10
Pleasant View SchoolGrades PK-50.2 mi
2/10

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Dry Wall,Plaster,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater,Dishwasher,Oven/Range,Refrigerator
  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Unfinished,Laundry,Storage Space,Utility

Bathroom

  • Features: Bath w Tub & Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Wall (Dry Wall),Wall (Plaster),Plumbing (Mixed),Insulation (Unknown)
  • Flooring: Ceramic Tile,Hardwood,Laminate

Heating & Cooling

  • Heating features: Natural Gas,Baseboard,Forced Water
  • Cooling features: None

Interior Area

  • Total structure area: 2,112
  • Total interior livable area: 2,112 sqft

Property

Details

  • Parcel number: PROVM94L375
  • Attached to another structure: Yes
  • Zoning: 02 - 2 5

Features

  • Stories: 2

Lot

  • Lot size: 3,049 sqft
  • Features: Sidewalks

Parking

  • Total spaces: 3
  • 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

  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
Lightning
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 $2,907$34,884
Home Insurance *$345$4,140
Property Taxes $645$7,740
Electricity $430$5,161
Total$4,327$51,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,354/yr
40% on housing$129,810/yr
45% on housing$115,386/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

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 02909$241
Providence County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 02909$214
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
2026-07-02Listed for sale$575,000
2023-05-31Listing removed--
2023-05-24Listed for rent$1,750
2020-10-26Listing removed$1,500
2020-10-08Listed for rent$1,500
2019-08-23Listing removed$1,450
2019-08-02Listed for rent$1,450

For Sale by Agent

AgentAgueda Del Borgo
BrokeragePlaces & Spaces Realty, LLC

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