Westerly Town property record for 16 Charles Ave, Westerly, RI 02891
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,027 sqft · built 1954 |
| Lot Size | 0.336 acres (14,641 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (May 2021) |
| Tax Bill | $3,654 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:98 B:16 |
| Primary APN | WEST M:98 B:16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,027 sqft Living Area |
| Gross Area | 4,036 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,641 sqft (0.336 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 18038775 |
|---|---|
| Street Address | 16 CHARLES AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-2708 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 16 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 50802 |
Source: Westerly Town records, as of October 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 | 34 HILLTOP AVE, WARWICK, RI 02889 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage NAVIGANT CREDIT UNION |
| Jun 13, 2017 | Deed of Trust, Mortgage · Conventional with PMI PRIME LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2021 · Amount on Record |
| Deed Sale | May 6, 2021 · Amount on Record |
| Prior Sale | Nov 30, 2005 · Amount on Record |
| Deed Document Number | 20212743 |
| Deed Book / Page | 2021 / 12665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | May 6, 2021 |
| Property Address | 16 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Document Number | 2021-12665 |
| Book / Page | 2021 / 12665 |
| Instrument Date | May 6, 2021 |
| Instrument | 2021-2743 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 34 HILLTOP AVE, WEST WARWICK, RI 02893-2825 |
| Document Number | 20212744 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 2021-2744 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 16 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Document Number | 2017-368 |
| Book / Page | 002017 / 010368 |
| Instrument Date | Jun 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2017 |
| Name | Verified Name |
|---|---|
| Address | 16 CHARLES AVE WESTERLY RI 028912708, WESTERLY, RI 02891-2708 |
| Document Number | 2017-368 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 002017/010368 |
| Instrument | 2538 |
| Name | PRIME LNDG |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2047 |
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,654.00 (+6.84%) | $469,700 (+39.54%) Land $148,000 Building $321,700 | $529,334 |
| 2023 | $3,420.00 (+0.59%) | $336,600 (-) Land $105,700 Building $230,900 | |
| 2022 | $3,400.00 | $336,600 Land $105,700 Building $230,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 10 (1991–2024) |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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