23 Milrose Ave, Westerly, RI 02891 Property Records

Westerly Town property record for 23 Milrose Ave, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,198 sqft · built 1971
Lot Size	1.12 acres (49,166 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (May 2023)
Tax Bill	$4,504 (2025)
Deeds & Mortgages	Jan 2024 Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:29 B:12`

Property Details

APN / Parcel Number

Primary APN	`WEST M:29 B:12`
Alternative APNs	`M:029 B:12 L` `3259410`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,198 sqft Living Area
Gross Area	3,942 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	49,166 sqft (1.12 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3259410
Street Address	23 MILROSE AVE
City	WESTERLY
State	RI
Zip	02891-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	12
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3011
Census Tract	50901

Owner

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	23 MILROSE AVE, WESTERLY, RI 02891-1412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHELSEA GROTON BANK
May 24, 2023	Warranty Deed, Transfer · ARM CHELSEA GROTON BANK
Dec 18, 2020	Trustee's Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Dec 18, 2020 · Amount on Record
Deed Document Number	20231623
Deed Book / Page	2023 / 6497
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	23 MILROSE AVE, WESTERLY, RI 02891-1412
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002024-951
Date	Jan 26, 2024
Book Page	2024/951
Instrument	2024-258

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2044

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	May 24, 2023
Property Address	23 MILROSE AVE, WESTERLY, RI 02891-1412
Document Number	02023-6497
Book / Page	2023 / 6497
Instrument Date	May 16, 2023
Instrument	2023-1623
Transaction Type	Transfer
Record Updated	Jun 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023-6499
Date	May 23, 2023
Book Page	2023/6499
Instrument	2023-1624

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Type Change Date	Jun 1, 2030
Index	1-Year CMT

December 2020: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 18, 2020
Property Address	23 MILROSE AVE, WESTERLY, RI 02891-1412
Document Number	2020-8535
Book / Page	002020 / 028535
Instrument Date	Dec 15, 2020
Instrument	6518
Transaction Type	Transfer
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 MILROSE AVE WESTERLY RI 028911412, WESTERLY, RI 02891-1412

Mortgage

Document Number	2020-8544
Date	Dec 18, 2020
Book Page	002020/028544
Instrument	6520

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 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	Assessed Market Value
2025	$4,504.00 (-1.21%)	$633,500 (+33.68%) Land $258,100 Building $375,400	$644,130
2023	$4,559.00 (+0.64%)	$473,900 (-) Land $185,500 Building $288,400
2022	$4,530.00	$473,900 Land $185,500 Building $288,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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