128 Oak St, Westerly, RI 02891 Property Records

Westerly Town property record for 128 Oak St, Westerly, RI 02891

Property Summary

Property Type	Commercial
Lot Size	0.597 acres (26,000 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (May 2013)
Tax Bill	$3,115 (2025)
Deeds & Mortgages	Mar 2022 Refinance Mar 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WEST M:48 B:54`

Property Details

APN / Parcel Number

Primary APN	`WEST M:48 B:54`
Alternative APNs	`M:048 B:54 L` `2270225`

Exterior

Lot Area	26,000 sqft (0.597 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	2270225
Street Address	128 OAK ST
City	WESTERLY
State	RI
Zip	02891-1715
Property Category	Commercial
Property Type	Commercial > Retail
Legal Block	54
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3040
Census Tract	50901

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	Company Name on Record
Mailing Address	128 OAK ST, WESTERLY, RI 02891-1715
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU
Mar 31, 2022	Warranty Deed, Transfer · Stand-Alone Refinance WESTERLY COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2013 · Amount on Record
Deed Sale	May 30, 2013 · Amount on Record
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	128 OAK ST, WESTERLY, RI 02891-1715
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-6307
Date	Mar 31, 2022
Book Page	2022/6307
Instrument	2022-1482

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 31, 2022
Property Address	128 OAK ST, WESTERLY, RI 02891-1715
Document Number	02022-6287
Book / Page	2022 / 6287
Instrument Date	Mar 29, 2022
Instrument	2022-1479
Transaction Type	Transfer
Record Updated	Apr 22, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 OAK ST, WESTERLY, RI 02891-1715

Mortgage

Document Number	02022-6290
Date	Mar 31, 2022
Book Page	2022/6290
Instrument	2022-1481

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$3,115.00 (-19.24%)	$400,400 (+5.48%) Land $163,000 Building $237,400
2023	$3,857.00 (+0.6%)	$379,600 (-) Land $148,700 Building $230,900
2022	$3,834.00	$379,600 Land $148,700 Building $230,900

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	3 in force
Nearby Flood Claims	2 (2010)
Most Recent Claim	Apr 2010 · river or lake flooding

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

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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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