11 Elm St, Westerly, RI 02891 Property Records

Westerly Town property record for 11 Elm St, Westerly, RI 02891

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,747 sqft · built 1933
Lot Size	0.398 acres (17,326 sqft)
Owner	2 Individual Names on File
Last Sale	$820,000 (Mar 2022)
Tax Bill	$6,979 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:66 B:74`

Property Details

APN / Parcel Number

Primary APN	`WEST M:66 B:74`
Alternative APNs	`M:066 B:74 L` `8111050`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,747 sqft Living Area
Gross Area	6,570 sqft

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,326 sqft (0.398 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	8111050
Street Address	11 ELM ST
City	WESTERLY
State	RI
Zip	02891-2125
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	74
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	4
Census Block	4015
Census Tract	50801

Owner

Source: Westerly Town records · APN WEST M:66 B:74

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	2 Individual Names on File
Mailing Address	11 ELM ST, WESTERLY, RI 02891-2125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 01, 2022 · Amount on Record
Deed Sale	Mar 01, 2022 · Amount on Record
Prior Sale	Apr 29, 2003 · Amount on Record
Deed Book / Page	2022 / 4270
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 01, 2022
Property Address	11 ELM ST, WESTERLY, RI 02891-2125
Document Number	02022-4270
Book / Page	2022 / 4270
Instrument Date	Mar 01, 2022
Instrument	2022-997
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
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 ELM ST, WESTERLY, RI 02891-2125

Mortgage

Document Number	0002022998
Date	Mar 01, 2022
Instrument	2022-998

Lender

Name	PROSPERITY HOME MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,979.00 (+1.51%)	$897,100 (+32.57%) Land $209,600 Building $687,500
2023	$6,875.00 (+0.59%)	$676,700 (-) Land $151,100 Building $525,600
2022	$6,835.00	$676,700 Land $151,100 Building $525,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, as of December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090508014, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	23 (1982–2021)
Claims Outside the SFHA	3 of 23
Most Recent Claim	Sep 2021 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Hurricane Gloria, Sep 1985 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within 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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Wilcox Park Historic District listed 1973 · 89 contributing resources · NRIS 73000011

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: AT&T, Cogeco Cable Holdings II, Frontier, Xfinity.

Based on FCC filings for 361 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system RI1559512, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WESTERLY WATER DEPARTMENT serves 35,298 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.