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121 Oak St, Westerly, RI 02891 Property Records

Westerly Town property record for 121 Oak St, Westerly, RI 02891 · Last verified July 2026

Property Highlights

Property TypeResidential > Multi-Unit > Duplex
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1900
Square Footage1,524 sqft Living Area
Lot Size8,614 sqft (0.198 acres)
OccupancyOwner Occupied
Last Sale$125,000 (2018)
Tax Bill$2,587.00 (2025)

Property Details

APN / Parcel Number

Primary APNM:048 B:80-A L
Alternative APNs
  • WEST M:48 B:80 L:A
  • 12039289

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Units2 Units
Building Area1,524 sqft Living Area
Gross Area1,880 sqft Gross Area
Stories3 Stories

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleDuplex Single Style
Exterior MaterialAluminum/Vinyl Exterior
Roof ConstructionGable Roof Construction
Roof MaterialAsphalt Roof
Lot Area8,614 sqft (0.198 acres)

Utilities and HVAC

Heating SystemBaseboard Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number12039289
Street Address121 OAK ST
CityWESTERLY
StateRI
Zip02891-1743
Property UsageResidential Property Usage
TypeResidential > Multi-Unit > Duplex
Legal Block80
Legal Lot NumberA
JurisdictionWESTERLY RI
Minor Civil DivisionWESTERLY
Census Blockgroup2
Census Block2013
Census Tract50901

Owner

Source: Westerly Town records · APN M:048 B:80-A L

Assessment roll updated June 22, 2026 · Last verified July 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 Address121 OAK ST, WESTERLY, RI 02891-1743
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 21, 2026Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
May 06, 2022Deed of Trust, Mortgage · Stand Alone Refinance
ROCKET MORTGAGE
Jul 06, 2021Deed of Trust, Mortgage · Stand Alone Refinance
QUICKEN LOANS INC
Dec 18, 2017Warranty Deed, Transfer · Veterans Administration Mortgage
MORTGAGE RESEARCH CTR

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 08, 2018 · Amount on Record
Deed SaleMar 08, 2018 · Amount on Record
Prior SaleDec 18, 2017 · Amount on Record
Deed Doc Number2018908
Deed Book / Page2018 / 3471
Record RefreshedSep 20, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address121 OAK ST, WESTERLY, RI 02891-1743
Transaction TypeMortgage
Record UpdatedFeb 11, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02026-1000
DateJan 21, 2026
Book Page2026/1000
Instrument2026-214
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2056

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address121 OAK ST, WESTERLY, RI 02891-1743
Transaction TypeMortgage
Record UpdatedMay 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02022-8611
DateMay 06, 2022
Book Page2022/8611
Instrument2022-2037
Lender
NameROCKET MORTGAGE
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address121 OAK ST, WESTERLY, RI 02891-1743
Transaction TypeMortgage
Record UpdatedJan 17, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2021-17673
DateJul 06, 2021
Book Page2021/17673
Instrument2021-3951
Lender
NameQUICKEN LOANS INC
TypeLending Institution
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWESTERLY RI
Recording DateDec 18, 2017
Property Address121 OAK ST, WESTERLY, RI 02891-1743
Document Number2017-2541
Book / Page002017 / 022541
Instrument DateDec 15, 2017
Instrument5551
Transaction TypeTransfer
Record UpdatedJan 03, 2018

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$229.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address121 OAK ST WESTERLY RI 028911743, WESTERLY, RI 02891-1743

Mortgage

Document Number2017-2544
DateDec 18, 2017
Book Page002017/022544
Instrument5552
Lender
NameMORTGAGE RESEARCH CTR
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueDec 17, 2047

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified July 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$2,587.00 (+5.25%)$332,500 (+37.45%) Land $137,700 Building $194,800
2023$2,458.00 (+0.61%)$241,900 (-) Land $98,600 Building $143,300
2022$2,443.00$241,900 Land $98,600 Building $143,300

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

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.

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