115 Oak St, Westerly, RI 02891 Property Records

Westerly Town property record for 115 Oak St, Westerly, RI 02891

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,440 sqft · built 1987
Lot Size	0.258 acres (11,227 sqft)
Owner	Individual Name on File
Last Sale	$281,000 (Apr 2006)
Tax Bill	$2,889 (2025)
Deeds & Mortgages	Oct 2023 Refinance Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:48 B:82`

Property Details

APN / Parcel Number

Primary APN	`WEST M:48 B:82`
Alternative APNs	`M:048 B:82 L` `13228533`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	2,984 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,227 sqft (0.258 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	13228533
Street Address	115 OAK ST
City	WESTERLY
State	RI
Zip	02891-1743
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	82
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2013
Census Tract	50901

Owner

Source: Westerly Town assessment roll, 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 File
Mailing Address	115 OAK ST, WESTERLY, RI 02891-1743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Aug 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jul 1, 2019	Quit Claim Deed, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 28, 2006 · Amount on Record
Deed Sale	Apr 28, 2006 · Amount on Record
Deed Book / Page	1527 / 206
Last Transfer Date	Jun 24, 2019
Transfer Doc	2019-10392
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	115 OAK ST, WESTERLY, RI 02891-1743
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023-14495
Date	Oct 25, 2023
Book Page	2023/14495
Instrument	2023-3612

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	115 OAK ST, WESTERLY, RI 02891-1743
Document Number	2020-7368
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OAK ST WESTERLY RI 028911743, WESTERLY, RI 02891-1743

Mortgage

Document Number	2020-7368
Date	Aug 28, 2020
Book Page	002020/017368
Instrument	3997

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

July 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Jul 1, 2019
Property Address	115 OAK ST, WESTERLY, RI 02891-1743
Document Number	2019-389
Book / Page	002019 / 010389
Instrument Date	Jun 24, 2019
Instrument	2665
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OAK ST WESTERLY RI 028911743, WESTERLY, RI 02891-1743

Mortgage

Document Number	2019-392
Date	Jul 1, 2019
Book Page	002019/010392
Instrument	2666

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

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	$2,889.00 (+3.7%)	$371,300 (+35.41%) Land $138,400 Building $232,900
2023	$2,786.00 (+0.61%)	$274,200 (-) Land $99,300 Building $174,900
2022	$2,769.00	$274,200 Land $99,300 Building $174,900

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	8 in force
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 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 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 USA.

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