Westerly Town property record for 28 Elm St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 3,122 sqft · built 1870 |
| Lot Size | 0.348 acres (15,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,110,000 (Sep 2025) |
| Tax Bill | $5,550 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:66 B:89 |
| Primary APN | WEST M:66 B:89 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,122 sqft Living Area |
| Gross Area | 5,092 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,148 sqft (0.348 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2133400 |
|---|---|
| Street Address | 28 ELM ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-2126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 89 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 50801 |
Source: Westerly Town records · APN WEST M:66 B:89
Assessment roll updated June 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 ELM ST, WESTERLY, RI 02891-2126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 30, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Sep 29, 2023 | Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE |
| Aug 23, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on Record |
| Deed Sale | Sep 30, 2025 · Amount on Record |
| Prior Sale | Sep 29, 2023 · Amount on Record |
| Deed Book / Page | 2025 / 14063 |
| Prior Transfer Date | Jul 23, 2021 |
| Prior Transfer Doc | 2021-21469 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Sep 30, 2025 |
| Property Address | 28 ELM ST, WESTERLY, RI 02891-2126 |
| Document Number | 2025-14063 |
| Book / Page | 2025 / 14063 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 2025-3374 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0020253375 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 2025-3375 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Sep 29, 2023 |
| Property Address | 28 ELM ST, WESTERLY, RI 02891-2126 |
| Document Number | 2023-13294 |
| Book / Page | 2023 / 13294 |
| Instrument Date | Sep 29, 2023 |
| Instrument | 2023-3311 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0020233312 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 2023-3312 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Aug 23, 2021 |
| Property Address | 28 ELM ST, WESTERLY, RI 02891-2126 |
| Document Number | 2021-21469 |
| Book / Page | 2021 / 21469 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 2021-4781 |
| Transaction Type | Transfer |
| Record Updated | Sep 02, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37 TAYLORS LN, LITTLE COMPTON, RI 02837-1113 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,550.00 (-4.13%) | $713,400 (+25.2%) Land $231,500 Building $481,900 |
| 2023 | $5,789.00 (+0.59%) | $569,800 (-) Land $166,500 Building $403,300 |
| 2022 | $5,755.00 | $569,800 Land $166,500 Building $403,300 |
Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 23 (1982–2021) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Sep 2021 · other causes |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Wilcox Park Historic District listed 1973 · 89 contributing resources · NRIS 73000011 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: AT&T, Cogeco Cable Holdings II, Frontier, Xfinity.
Based on FCC filings for 361 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WESTERLY WATER DEPARTMENT serves 35,298 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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