Westerly Town property record for 20 Charles Ave, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 876 sqft · built 1948 |
| Lot Size | 0.329 acres (14,320 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,500 (Jul 2020) |
| Tax Bill | $2,413 (2025) |
| Deeds & Mortgages | Aug 2025 Mortgage Jul 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:98 B:18 |
| Primary APN | WEST M:98 B:18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 876 sqft Living Area |
| Gross Area | 1,308 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,320 sqft (0.329 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 12183328 |
|---|---|
| Street Address | 20 CHARLES AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-2708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 18 |
| 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 | 20 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2025 | Deed of Trust, Mortgage · Conventional Mortgage DIME BANK |
| Jul 2, 2020 | Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG |
| Jan 25, 2019 | Quit Claim Deed, Foreclosure |
| Nov 26, 2018 | Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2020 · Amount on Record |
| Deed Sale | Jul 2, 2020 · Amount on Record |
| Prior Sale | Nov 26, 2018 · Amount on Record |
| Deed Document Number | 20202950 |
| Deed Book / Page | 2020 / 12821 |
| Prior Transfer Date | Jan 22, 2019 |
| Prior Transfer Doc | 2019-1171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 20 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2025-11985 |
|---|---|
| Date | Aug 28, 2025 |
| Book Page | 2025/11985 |
| Instrument | 2025-2851 |
| Name | DIME BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jul 2, 2020 |
| Property Address | 20 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Document Number | 2020-2821 |
| Book / Page | 002020 / 012821 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 2950 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 CHARLES AVE WESTERLY RI 028912708, WESTERLY, RI 02891-2708 |
| Document Number | 2020-2827 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | 002020/012827 |
| Instrument | 2951 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jan 25, 2019 |
| Property Address | 20 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Document Number | 2019-1171 |
| Book / Page | 002019 / 001171 |
| Instrument Date | Jan 22, 2019 |
| Instrument | 307 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 13, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3701 REGENT BLVD #100B IRVING TX 750632312, 100B, IRVING, TX 75063-2312 |
| Investor | Possibly a Property Investor |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Nov 26, 2018 |
| Property Address | 20 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Document Number | 2018-9998 |
| Book / Page | 002018 / 019998 |
| Instrument Date | Sep 7, 2018 |
| Instrument | 4963 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 12, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $171.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043 |
| Investor | Possibly a Property Investor |
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 | $2,413.00 (-2.66%) | $310,100 (+27.09%) Land $155,200 Building $154,900 | $381,682 |
| 2023 | $2,479.00 (+0.61%) | $244,000 (-) Land $110,900 Building $133,100 | |
| 2022 | $2,464.00 | $244,000 Land $110,900 Building $133,100 |
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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