10 Pearl St, Westerly, RI 02891 Property Records

Westerly Town property record for 10 Pearl St, Westerly, RI 02891

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,400 sqft · built 2011
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$451,000 (Apr 2023)
Tax Bill	$3,731 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jan 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:37 B:3`

Property Details

APN / Parcel Number

Primary APN	`WEST M:37 B:3`
Alternative APNs	`M:037 B:3 L` `3154728`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,400 sqft Living Area
Gross Area	4,157 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,500 sqft (0.126 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	3154728
Street Address	10 PEARL ST
City	WESTERLY
State	RI
Zip	02891-1606
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	3
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1027
Census Tract	50801

Owner

Source: Westerly Town records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 PEARL ST, WESTERLY, RI 02891-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Jan 8, 2019	Quit Claim Deed, Transfer Quitclaim
Nov 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TR CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Apr 12, 2016 · Amount on Record
Deed Document Number	20231302
Deed Book / Page	2023 / 511
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Apr 28, 2023
Property Address	10 PEARL ST, WESTERLY, RI 02891-1606
Document Number	002023-511
Book / Page	2023 / 511
Instrument Date	Apr 28, 2023
Instrument	2023-1302
Transaction Type	Transfer
Record Updated	May 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0020231303
Date	Apr 28, 2023
Instrument	2023-1303

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Jan 8, 2019
Property Address	10 PEARL ST, WESTERLY, RI 02891-1606
Document Number	2019-442
Book / Page	002019 / 000442
Instrument Date	Dec 29, 2018
Instrument	121
Transaction Type	Transfer
Record Updated	Jan 22, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	35 HIGH ST WESTERLY RI 028911984, WESTERLY, RI 02891-1984

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	10 PEARL ST, WESTERLY, RI 02891-1606
Document Number	2018-536
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PEARL ST WESTERLY RI 028911606, WESTERLY, RI 02891-1606

Mortgage

Document Number	2018-536
Date	Dec 3, 2018
Book Page	002018/020536
Instrument	5094

Lender

Name	WASHINGTON TR CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,731.00 (+9.19%)	$479,500 (+42.58%) Land $142,000 Building $337,500
2023	$3,417.00 (+0.59%)	$336,300 (-) Land $101,400 Building $234,900
2022	$3,397.00	$336,300 Land $101,400 Building $234,900

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTERLY WATER DEPARTMENT serves 35,298 people · EPA ID RI1559512
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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