20 Cosmo St, Westerly, RI 02891 Property Records

Westerly Town property record for 20 Cosmo St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,048 sqft · built 1989
Lot Size	0.469 acres (20,436 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Aug 1991)
Tax Bill	$3,731 (2025)
Deeds & Mortgages	May 2023 Refinance Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:102 B:75`

Property Details

APN / Parcel Number

Primary APN	`WEST M:102 B:75`
Alternative APNs	`M:102 B:75 L` `3318700`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	5,135 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,436 sqft (0.469 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3318700
Street Address	20 COSMO ST
City	WESTERLY
State	RI
Zip	02891-5908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	75
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2041
Census Tract	50902

Owner

Source: Westerly Town assessment roll, as of June 22, 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 File
Mailing Address	20 COSMO ST, WESTERLY, RI 02891-5908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK RHODE ISLAND
Jul 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 30, 1991 · Amount on Record
Deed Sale	Aug 30, 1991 · Amount on Record
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 COSMO ST, WESTERLY, RI 02891-5908
Transaction Type	Mortgage
Record Updated	Jun 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023-6602
Date	May 26, 2023
Book Page	2023/6602
Instrument	2023-1653

Lender

Name	BANK RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2063

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 COSMO ST, WESTERLY, RI 02891-5908
Document Number	2020-1772
Instrument Date	Jul 26, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 COSMO ST WESTERLY RI 028915908, WESTERLY, RI 02891-5908

Mortgage

Document Number	2020-1772
Date	Oct 14, 2020
Book Page	002020/021772
Instrument	4968

Lender

Name	AMERISAVE MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

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	$3,731.00 (-9.99%)	$524,800 (+21.79%) Land $186,100 Building $338,700
2023	$4,145.00 (+0.63%)	$430,900 (-) Land $132,900 Building $298,000
2022	$4,119.00	$430,900 Land $132,900 Building $298,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 40 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 USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cosmo St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures