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82 Merchant St, North Providence, RI, 02911

3beds
2baths
2,164sqft
$459,900
$213price/sqft
$3,616/moest. monthly cost
$144,640/yrincome needed

About This Home

This one owner 6 room Ranch can be excellent for first time buyers, people looking to downsize ,or anyone seeking an alternative to renting. Set on a beautiful landscaped yard in a quiet community .This home is boasting with amenities along with comfort and long term practicality, featuring three bedrooms 2 full baths , and gleaming hardwoods throughout. Also offers single level living with added versatility.Enjoy year round relaxation in the bright Great Room perfect for family gatherings .The finished lower level includes an additional full bath , kitchette,and family room ,ideal for extended family ,guest or flexible living space. Central air conditioning ensures comfort ,while generator -ready wiring adds peace of mind. Conveniently located less than 1/4 mile offers easy access to hospitals, colleges,and schools. This home combines quality construction and well maintained throughout the years along with a shed for outdoor storage.Grass is always green with sprinklers .Plenty of parking for at least 3 vehicles. Absolute move in condition .

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

4/10
James L. McGuire SchoolGrades K-50.3 mi
6/10
Dr. Edward Ricci SchoolGrades 6-80.2 mi
5/10

Construction

Condition

  • Year built: 1958

Materials

  • Foundation: Mixed
  • Construction materials: Paneled,Plaster,Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Finished,Bath/Stubbed,Family Room,Kitchen,Laundry,Storage Space,Utility

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Family Room

  • Level: Lower

Features

  • Wall (Paneled),Wall (Plaster)
  • Door features: Storm Door(s)
  • Window features: Storm Window(s)
  • Flooring: Ceramic Tile,Hardwood,Vinyl,Carpet
  • Fireplace features: None
  • Finished area below ground: 984
  • Finished area above ground: 1,180

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Natural Gas,Baseboard
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,180
  • Total interior livable area: 2,164 sqft

Kitchen

  • Level: Lower

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: Lower

Storage

  • Level: Lower

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: NPROM13L547

Features

  • Patio & porch: Porch

Lot

  • Lot size: 5,009 sqft
  • Features: Sprinklers

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hurricane
Heat Wave
Ice Storm
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 $2,325$27,900
Home Insurance *$215$2,580
Property Taxes $636$7,632
Electricity $440$5,288
Total$3,616$43,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,977/yr
40% on housing$108,480/yr
45% on housing$96,426/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

$213This listing

vs Other Active Listings

Avg $/sqft

ZIP 02911$210
Providence County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 02911$215
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
2026-07-07Listed for sale$459,900
2026-07-06Listing removed$464,900
2026-06-01Price change$464,900
2026-05-22Listed for sale$474,900
2026-03-11Listing removed$454,900
2026-01-31Listed for sale$454,900

For Sale by Agent

AgentLisa Harrison
BrokerageJ. Christopher Real Estate Grp

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