103 Oak St, Westerly, RI 02891 Property Records

Westerly Town property record for 103 Oak St, Westerly, RI 02891 · Last verified June 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,568 sqft · built 1936
Lot Size	0.288 acres (12,534 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Dec 2021)
Tax Bill	$2,533 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`WEST M:48 B:104`

Property Details

APN / Parcel Number

Primary APN	`WEST M:48 B:104`
Alternative APNs	`M:048 B:104 L` `7096506`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,568 sqft Living Area
Gross Area	2,748 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,534 sqft (0.288 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7096506
Street Address	103 OAK ST
City	WESTERLY
State	RI
Zip	02891-1784
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	104
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2014
Census Tract	50901

Owner

Source: Westerly Town records · APN WEST M:48 B:104

Assessment roll updated June 22, 2026 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	103 OAK ST, WESTERLY, RI 02891-1784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CHELSEA GROTON BANK
Nov 18, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Deed Book / Page	2021 / 32380
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 23, 2021
Property Address	103 OAK ST, WESTERLY, RI 02891-1784
Document Number	2021-32380
Book / Page	2021 / 32380
Instrument Date	Dec 23, 2021
Instrument	2021-7197
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103-1 OAK ST # 2, 2, WESTERLY, RI 02891-1784

Mortgage

Document Number	0020217198
Date	Dec 23, 2021
Instrument	2021-7198

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 18, 2021
Property Address	103 OAK ST, WESTERLY, RI 02891-1784
Document Number	2021-29033
Book / Page	2021 / 29033
Instrument Date	Nov 17, 2021
Instrument	2021-6428
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OAK ST, WESTERLY, RI 02891-1784

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$2,533.00 (+6.88%)	$325,600 (+39.56%) Land $145,900 Building $179,700
2023	$2,370.00 (+0.59%)	$233,300 (-) Land $104,700 Building $128,600
2022	$2,356.00	$233,300 Land $104,700 Building $128,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090509012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Mar 2010, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Mar 2010 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 213 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fiber	980 / 880
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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