11 Lovat Ln, Westerly, RI 02891 Property Records

Westerly Town property record for 11 Lovat Ln, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1960
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jan 2023)
Tax Bill	$2,909 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Feb 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`WEST M:97 B:165`

Property Details

APN / Parcel Number

Primary APN	`WEST M:97 B:165`
Alternative APNs	`M:097 B:165 L` `19118125`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	2,160 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	19118125
Street Address	11 LOVAT LN
City	WESTERLY
State	RI
Zip	02891-3007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	165
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2051
Census Tract	50802

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	11 LOVAT LN, WESTERLY, RI 02891-3007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS
Feb 8, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Prior Sale	Aug 8, 2007 · Amount on Record
Deed Document Number	2023177
Deed Book / Page	2023 / 618
Prior Transfer Date	Jan 17, 2023
Prior Transfer Doc	002023-618
Record Updated	Sep 20, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTERLY RI
Recording Date	Jan 20, 2023
Property Address	11 LOVAT LN, WESTERLY, RI 02891-3007
Document Number	002023-618
Book / Page	2023 / 618
Instrument Date	Jan 17, 2023
Instrument	2023-177
Transaction Type	Transfer
Record Updated	Feb 2, 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	Tenants by the Entirety

Mortgage

Document Number	0002023178
Date	Jan 20, 2023
Instrument	2023-178

Lender

Name	CELEBRITY HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Feb 8, 2019
Property Address	11 LOVAT LN, WESTERLY, RI 02891-3007
Document Number	2019-2018
Book / Page	002019 / 002018
Instrument Date	Feb 8, 2019
Instrument	499
Transaction Type	Transfer
Record Updated	Feb 27, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 LOVAT LN WESTERLY RI 028913007, WESTERLY, RI 02891-3007

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	$2,909.00 (+10.15%)	$373,900 (+43.86%) Land $172,900 Building $201,000
2023	$2,641.00 (+0.61%)	$259,900 (-) Land $123,500 Building $136,400
2022	$2,625.00	$259,900 Land $123,500 Building $136,400

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
Flood Insurance Cost	Premium on Record median of 24 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	10 (1991–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Severe Storms And Flooding, Mar 2010 · 5 claims Hurricane Bob, Aug 1991 · 2 claims

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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
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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