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12 Elm St, Westerly, RI 02891 Property Records

Westerly Town property record for 12 Elm St, Westerly, RI 02891 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1840
Square Footage3,504 sqft Living Area
Lot Size13,405 sqft (0.308 acres)
OccupancyOwner Occupied
Last Sale$1,100,000 (2023)
Tax Bill$7,459.00 (2025)

Owner

Source: Westerly Town records · APN WEST M:66 B:84

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 RecordIndividual Name on File
Mailing Address12 ELM ST, WESTERLY, RI 02891-2126
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 10, 2023Warranty Deed, Transfer · Stand Alone First Mortgage
THE WASHINGTON TRUST CO OF WESTERLY
Apr 10, 2023Quit Claim Deed, Transfer
Quitclaim Document
Jul 24, 2020Deed of Trust, Mortgage · Line of Credit
WASHINGTON TR CO

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 10, 2023 · Amount on Record
Deed SaleApr 10, 2023 · Amount on Record
Prior SaleNov 20, 2012
Deed Doc Number20231104
Deed Book / Page2023 / 4314
Prior Transfer DateMar 29, 2023
Prior Transfer Doc02023-4346
Record RefreshedSep 20, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWESTERLY RI
Recording DateApr 10, 2023
Property Address12 ELM ST, WESTERLY, RI 02891-2126
Document Number02023-4314
Book / Page2023 / 4314
Instrument DateApr 10, 2023
Instrument2023-1104
Transaction TypeTransfer
Record UpdatedApr 20, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address12 ELM ST, WESTERLY, RI 02891-2126

Mortgage

Document Number0020231105
DateApr 10, 2023
Instrument2023-1105
Lender
NameTHE WASHINGTON TRUST CO OF WESTERLY
TypeBank
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateMay 01, 2030
Max Rate At Change3%
Index1-Year CMT
Margin3

April 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWESTERLY RI
Recording DateApr 10, 2023
Property Address12 ELM ST, WESTERLY, RI 02891-2126
Document Number02023-4346
Book / Page2023 / 4346
Instrument DateMar 29, 2023
Instrument2023-1113
Transaction TypeTransfer
Record UpdatedApr 20, 2023

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 ELM ST, WESTERLY, RI 02891-2126

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address12 ELM ST, WESTERLY, RI 02891-2126
Document Number2020-5898
Instrument DateJul 24, 2020
Transaction TypeMortgage
Record UpdatedSep 01, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 ELM ST WESTERLY RI 028912126, WESTERLY, RI 02891-2126

Mortgage

Document Number2020-5898
DateAug 11, 2020
Book Page002020/015898
Instrument3672
Lender
NameWASHINGTON TR CO
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 10, 2050
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionWesterly Town
Unified School DistrictWesterly School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$7,459.00 (+8.86%)$958,700 (+42.16%) Land $230,800 Building $727,900
2023$6,852.00 (+0.6%)$674,400 (-) Land $165,800 Building $508,600
2022$6,811.00$674,400 Land $165,800 Building $508,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C updated December 26, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

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

Historic DistrictWithin 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.

Property Details

APN / Parcel Number

Primary APNWEST M:66 B:84
Alternative APNs
  • M:066 B:84 L
  • 11022195

Interior

Bedrooms4 Beds
Full Baths3 Baths
Partial Baths2 Partial Baths
Total Rooms8 Rooms
Building Area3,504 sqft Living Area
Gross Area6,642 sqft Gross Area
Stories2 Stories

Exterior

Year BuiltBuilt 1840
Effective Year BuiltEffective 1840
Exterior MaterialWood Siding Exterior
Roof ConstructionFlat Roof Construction
Roof MaterialRoll Composition (rolled Mineral Roof) Roof
Lot Area13,405 sqft (0.308 acres)

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHot Water Heating
Heating FuelGas Heating Fuel

Location & Zoning

Account Number11022195
Street Address12 ELM ST
CityWESTERLY
StateRI
Zip02891-2126
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block84
JurisdictionWESTERLY RI
Minor Civil DivisionWESTERLY
Census Blockgroup4
Census Block4014
Census Tract50801

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