11 Penston Ave, Westerly, RI 02891 Property Records

Westerly Town property record for 11 Penston Ave, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,376 sqft · built 1961
Lot Size	0.518 acres (22,553 sqft)
Owner	Individual Name on Record
Last Sale	$618,000 (Oct 2023)
Tax Bill	$4,172 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:86 B:119`

Property Details

APN / Parcel Number

Primary APN	`WEST M:86 B:119`
Alternative APNs	`M:086 B:119 L` `13026184`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,376 sqft Living Area
Gross Area	5,396 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,553 sqft (0.518 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	13026184
Street Address	11 PENSTON AVE
City	WESTERLY
State	RI
Zip	02891-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	119
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1007
Census Tract	50802

Owner

Source: Westerly Town records, as of October 20, 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	11 PENSTON AVE, WESTERLY, RI 02891-2712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage EASTERN BANK
Aug 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 26, 2017	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2023 · Amount on Record
Deed Sale	Oct 6, 2023 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	20233412
Deed Book / Page	2023 / 13738
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Oct 6, 2023
Property Address	11 PENSTON AVE, WESTERLY, RI 02891-2712
Document Number	2023-13738
Book / Page	2023 / 13738
Instrument Date	Oct 6, 2023
Instrument	2023-3412
Transaction Type	Transfer
Record Updated	Oct 19, 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
Address	11 PENSTON AVE, WESTERLY, RI 02891-2712

Mortgage

Document Number	0020233413
Date	Oct 6, 2023
Instrument	2023-3413

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Nov 1, 2033
Max Rate At Change	2.75%
Index	1-Year CMT

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	11 PENSTON AVE, WESTERLY, RI 02891-2712
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-21298
Date	Aug 19, 2021
Book Page	2021/21298
Instrument	2021-4739

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2046

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	11 PENSTON AVE, WESTERLY, RI 02891-2712
Document Number	2020-9380
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 PENSTON AVE WESTERLY RI 028912712, WESTERLY, RI 02891-2712

Mortgage

Document Number	2020-9380
Date	Sep 17, 2020
Book Page	002020/019380
Instrument	4397

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 16, 2040

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	May 26, 2017
Property Address	11 PENSTON AVE, WESTERLY, RI 02891-2712
Document Number	2017-8974
Book / Page	002017 / 008974
Instrument Date	May 17, 2017
Instrument	2243
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 STATE ST #B WESTERLY RI 028913101, B, WESTERLY, RI 02891-3101

Mortgage

Document Number	2017-8979
Date	May 26, 2017
Book Page	002017/008979
Instrument	2247

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 25, 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	Assessed Market Value
2025	$4,172.00 (+3.73%)	$536,300 (+35.46%) Land $172,000 Building $364,300	$640,964
2023	$4,022.00 (+0.58%)	$395,900 (-) Land $124,300 Building $271,600
2022	$3,999.00	$395,900 Land $124,300 Building $271,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	9 in force
Nearby Flood Claims	12 (1981–2012)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims Hurricane Bob, Aug 1991 · 4 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 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 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 362 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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