106 Oak St, Westerly, RI 02891 Property Records

Westerly Town property record for 106 Oak St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,060 sqft · built 1952
Lot Size	0.418 acres (18,197 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Apr 2017)
Tax Bill	$2,470 (2025)
Deeds & Mortgages	May 2022 Refinance Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:48 B:30`

Property Details

APN / Parcel Number

Primary APN	`WEST M:48 B:30`
Alternative APNs	`M:048 B:30 L` `3387910`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
Gross Area	2,144 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,197 sqft (0.418 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3387910
Street Address	106 OAK ST
City	WESTERLY
State	RI
Zip	02891-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	30
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Mailing Address	106 OAK ST, WESTERLY, RI 02891-1737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SEACOAST MORTGAGE CORPORATION
Apr 10, 2017	Warranty Deed, Transfer · FHA Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2017 · Amount on Record
Deed Sale	Apr 10, 2017 · Amount on Record
Deed Document Number	20171402
Deed Book / Page	2017 / 5597
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	106 OAK ST, WESTERLY, RI 02891-1737
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-8925
Date	May 11, 2022
Book Page	2022/8925
Instrument	2022-2096

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Apr 10, 2017
Property Address	106 OAK ST, WESTERLY, RI 02891-1737
Document Number	2017-5597
Book / Page	2017 / 5597
Instrument	1402
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$21.19
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 02017/5602
Date	Apr 10, 2017
Instrument	02017/5602

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2047

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	$2,470.00 (+2.45%)	$317,500 (+33.8%) Land $147,400 Building $170,100
2023	$2,411.00 (+0.58%)	$237,300 (-) Land $106,200 Building $131,100
2022	$2,397.00	$237,300 Land $106,200 Building $131,100

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	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 213 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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