Westerly Town property record for 3 Cottage St, Westerly, RI 02891 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1918 |
| Square Footage | 840 sqft Living Area |
| Lot Size | 13,628 sqft (0.313 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $237,000 (2023) |
| Tax Bill | $2,219.00 (2025) |
| Primary APN | WEST M:26 B:27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 840 sqft Living Area |
| Gross Area | 1,858 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 13,628 sqft (0.313 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Account Number | 4012009 |
|---|---|
| Street Address | 3 COTTAGE ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-7220 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 27 |
| Jurisdiction | WESTERLY RI |
| Minor Civil Division | WESTERLY |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 50901 |
Source: Westerly Town records · APN WEST M:26 B:27
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 | Individual Name on File |
|---|---|
| Mailing Address | 3 COTTAGE ST, WESTERLY, RI 02891-7220 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 14, 2023 | Warranty Deed, Transfer · Stand Alone First Mortgage CENTREVILLE BANK |
| Jan 06, 2022 | Warranty Deed, Transfer · Stand Alone First Mortgage CITIZENS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 14, 2023 · Amount on Record |
| Deed Sale | Sep 14, 2023 · Amount on Record |
| Prior Sale | Jan 06, 2022 · Amount on Record |
| Deed Book / Page | 2023 / 12222 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Sep 14, 2023 |
| Property Address | 3 COTTAGE ST, WESTERLY, RI 02891-7220 |
| Document Number | 2023-12222 |
| Book / Page | 2023 / 12222 |
| Instrument Date | Sep 14, 2023 |
| Instrument | 2023-3035 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2023 |
| 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 |
|---|---|
| Address | 3 COTTAGE ST # B, B, WESTERLY, RI 02891-7220 |
| Document Number | 0020233036 |
|---|---|
| Date | Sep 14, 2023 |
| Instrument | 2023-3036 |
| Name | CENTREVILLE BANK |
|---|
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Oct 01, 2033 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jan 06, 2022 |
| Property Address | 3 COTTAGE ST, WESTERLY, RI 02891-7220 |
| Document Number | 002022-217 |
| Book / Page | 2022 / 217 |
| Instrument Date | Jan 06, 2022 |
| Instrument | 2022-68 |
| 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 |
|---|---|
| Address | 3 COTTAGE ST, WESTERLY, RI 02891-7220 |
| Document Number | 0000202269 |
|---|---|
| Date | Jan 06, 2022 |
| Instrument | 2022-69 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,219.00 (-7.54%) | $285,200 (+20.75%) Land $124,000 Building $161,200 |
| 2023 | $2,400.00 (+0.59%) | $236,200 (-) Land $88,600 Building $147,600 |
| 2022 | $2,386.00 | $236,200 Land $88,600 Building $147,600 |
3 Cottage St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · County delivery 44009C updated December 26, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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