12 Ava St, Westerly, RI 02891 Property Records

Westerly Town property record for 12 Ava St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 1994
Lot Size	0.494 acres (21,534 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Nov 2025)
Tax Bill	$2,726 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Jun 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:36 B:127`

Property Details

APN / Parcel Number

Primary APN	`WEST M:36 B:127`
Alternative APNs	`M:036 B:127 L` `7133075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,078 sqft Living Area
Gross Area	2,182 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,534 sqft (0.494 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7133075
Street Address	12 AVA ST
City	WESTERLY
State	RI
Zip	02891-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	127
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1022
Census Tract	50801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North End Historic District listed 2006 · 296 contributing resources · NRIS 06000298

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

Owner

Source: Westerly Town records, as of July 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	12 AVA ST, WESTERLY, RI 02891-1626
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT
Nov 7, 2025	Warranty Deed, Transfer · Conventional Mortgage NFM FUNDING LLC
Nov 25, 2019	Executor's Deed, Transfer · FHA Mortgage SEACOAST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Nov 25, 2019 · Amount on Record
Deed Book / Page	2025 / 16353
Record Updated	Sep 20, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 AVA ST, WESTERLY, RI 02891-1626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02024-9859
Date	Aug 5, 2024
Book Page	2024/9859
Instrument	2024-2543

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2049

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 AVA ST, WESTERLY, RI 02891-1626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022-10914
Date	Jun 10, 2022
Book Page	2022/10914
Instrument	2022-2557

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	325 Months
Due	Jul 1, 2049

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 7, 2025
Property Address	12 AVA ST, WESTERLY, RI 02891-1626
Document Number	2025-16353
Book / Page	2025 / 16353
Instrument Date	Nov 7, 2025
Instrument	2025-3920
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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	12 AVA ST, WESTERLY, RI 02891-1626

Mortgage

Document Number	0020253921
Date	Nov 7, 2025
Instrument	2025-3921

Lender

Name	NFM FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 25, 2019
Property Address	12 AVA ST, WESTERLY, RI 02891-1626
Document Number	2019-22
Book / Page	002019 / 020022
Instrument Date	Nov 25, 2019
Instrument	5101
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 AVA ST WESTERLY RI 028911626, WESTERLY, RI 02891-1626

Mortgage

Document Number	2019-24
Date	Nov 25, 2019
Book Page	002019/020024
Instrument	5102

Lender

Name	SEACOAST MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 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	$2,726.00 (-7.78%)	$350,400 (+20.45%) Land $157,300 Building $193,100
2023	$2,956.00 (+0.61%)	$290,900 (-) Land $112,700 Building $178,200
2022	$2,938.00	$290,900 Land $112,700 Building $178,200

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 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 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

May also be available: Breezeline, Frontier, Xfinity.

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