687 689 Charles Street, Providence, RI, 02904 | $575,000

Calling all investors, house hackers and urbanites. This 9500+ square foot lot includes parking, with mature gardens tiering down to your eclectic, well-designed and maintained brick-front, 3-Family property. The building includes 3 large, 2-bedroom apartments ranging from 1048 square feet to 1290 square feet, per unit. Unit one, the garden-level walkout, was gutted to the studs in 2018 and rebuilt with two very accommodating bedrooms, new flooring, plus a new kitchen and bath. Soaring ceilings create a very cool, industrial vibe in this pad that is vacant and ready for immediate occupancy. Unit two includes a recently rebuilt deck overlooking the North End, a large living room, 2024 gut-remodeled bathroom, a copious kitchen with tons of sunlight, and two massive bedrooms. Original wide-plank hardwood flooring and a beautiful turret in your primary bedroom create architectural appeal and flow that is rarely found in an investment property, bringing this choice into the next caliber up. Unit 3 is a very cool townhouse-style apartment with an updated kitchen, walkout roof deck, and tons of character. Walk-up attic has been converted into a 3-seasons artist loft, which is your fourth living level of this dynamic home. This property is located right on the North Providence border, with sidewalks leading to Hopkins Park and about 5 10 minutes driving or biking to the shopping and restaurants of the East Side. Win-win-win w/ this 3-family gem, highest & best offers due 4-28 @ 5pm

Features

  • Amenities: Highway Access,Near Hospital,Near Schools,Public Transportation,Recreation Area,Restaurant,Shopping
  • Rooms: 15
  • Bedrooms: 7
  • Baths: 3 full
  • Units: 3
  • Year Built: 1920
  • Garage: No Garage
  • Heating: Baseboard,Gas
  • Cooling: None
  • Basement: Exterior Entry,Full,Interior Entry,Unfinished
  • Acreage: 0.22
  • Est. Taxes: $6,775
  • Appliances: Gas Water Heater
  • MLS#: 1382450
  • Website: https://www.raveis.com
    /prop/1382450/687689charlesstreet_providence_ri?source=qrflyer
Copyright © 2025  State-Wide MLS, Inc. All rights reserved.
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listed by Real Broker, LLC   Phone: 855-450-0442

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888.699.8876

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Brianna TurgeonVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 2104486

860.625.5780

Brianna.Turgeon@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Allen GellermanInsurance Sales Director, William Raveis Insurance

617.686.2668

Allen.Gellerman@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

687 689 Charles Street, Providence, RI, 02904

$575,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Brianna Turgeon

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 860.625.5780

Brianna.Turgeon@raveis.com

NMLS Mortgage Loan Originator ID 2104486

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $460,000 $460,000 $460,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.132%
Monthly Tax Payment $565 $565 $565
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,908 $3,022 $3,851
Total Monthly Payment $3,565 $3,679 $4,508

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.