Westerly Town property record for 3 Governor Ave, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,248 sqft · built 1984 |
| Lot Size | 0.123 acres (5,360 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,035 (2025) |
| Deeds & Mortgages | May 2018 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | WEST M:142 B:120 |
| Primary APN | WEST M:142 B:120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Living Area |
| Gross Area | 3,372 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 5,360 sqft (0.123 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 13021950 |
|---|---|
| Street Address | 3 GOVERNOR AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 120 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 51000 |
3 Governor Ave is owned and occupied by an individual.
Source: Westerly Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 GOVERNOR AVE, WESTERLY, RI 02891-4413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 2, 2018 | Deed of Trust, Mortgage FIRST HOME MORTGAGE CORP |
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NFM |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 3 GOVERNOR AVE, WESTERLY, RI 02891-4413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018-7046 |
|---|---|
| Date | May 2, 2018 |
| Book Page | 2018/7046 |
| Instrument | 1758 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 3 GOVERNOR AVE, WESTERLY, RI 02891-4413 |
| Document Number | 2020-2031 |
| Instrument Date | Jun 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3 GOVERNOR AVE WESTERLY RI 028914413, WESTERLY, RI 02891-4413 |
| Document Number | 2020-2031 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 002020/012031 |
| Instrument | 2750 |
| Name | NFM |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 22, 2050 |
The 2025 property tax bill for 3 Governor Ave was $7,035.
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 | $7,035.00 | $989,500 Land $653,300 Building $336,200 | $904,258 |
| 2023 | $6,765.00 (+0.62%) | $703,200 (-) Land $466,600 Building $236,600 | |
| 2022 | $6,723.00 | $703,200 Land $466,600 Building $236,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Governor Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 140 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 143 units insured incl. 3 condo units |
| Nearby Flood Claims | 28 (1985–2021) |
| Claims Outside the SFHA | 8 of 28 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| 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.
The area around 3 Governor Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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