32 Elm St, Westerly, RI 02891 Property Records

Westerly Town property record for 32 Elm St, Westerly, RI 02891

Property Summary

Property Type	Residential Vacant Land
Details	5 ba · 15,434 sqft · built 1880
Lot Size	0.278 acres (12,098 sqft)
Owner	Company Name on Record
Tax Bill	$1,630 (2025)
Deeds & Mortgages	May 2025 Mortgage May 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:66 B:91`

Property Details

APN / Parcel Number

Primary APN	`WEST M:66 B:91`
Alternative APNs	`WEST M:66 B:91 L:B` `M:066 B:91 L` `1000017` `1000095`

Interior

Full Baths	5 Baths
Units	20 Units
Stories	2 Stories
Building Area	15,434 sqft Living Area
Gross Area	20,935 sqft
1st Floor Area	9,060 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick
Construction Type	Steel Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	12,098 sqft (0.278 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	1000095
Street Address	32 ELM ST
City	WESTERLY
State	RI
Zip	02891-2126
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Block	91
Legal Lot Number	B
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	4
Census Block	4014
Census Tract	50801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Westerly Town records, as of October 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	44 WATCH HILL RD, WESTERLY, RI 02891-3532
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 2, 2025	Deed of Trust, Mortgage BRIAN M CAPALBO IRT
May 24, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BRIAN M CAPALBO IRT
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Nov 18, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 18, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 15, 2022
Transfer Doc	2022-19788
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	28 SCHOOL ST, WESTERLY, RI 02891-2390
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025-5234
Date	May 2, 2025
Book Page	2025/5234
Instrument	2025-1319

Lender

Name	BRIAN M CAPALBO IRT

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	28 SCHOOL ST, WESTERLY, RI 02891-2390
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02024-6412
Date	May 24, 2024
Book Page	2024/6412
Instrument	2024-1640

Lender

Name	BRIAN M CAPALBO IRT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	32 ELM ST, WESTERLY, RI 02891-2126
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-24443
Date	Sep 29, 2021
Book Page	2021/24443
Instrument	2021-5464

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 18, 2022
Property Address	32 ELM ST, WESTERLY, RI 02891-2126
Document Number	2022-19788
Book / Page	2022 / 19788
Instrument Date	Nov 15, 2022
Instrument	2022-4806
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 WATCH HILL RD, WESTERLY, RI 02891-3532

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 18, 2022
Property Address	28 SCHOOL ST, WESTERLY, RI 02891-2390
Document Number	2022-19792
Book / Page	2022 / 19792
Instrument Date	Nov 15, 2022
Instrument	2022-4808
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 WATCH HILL RD, WESTERLY, RI 02891-3532

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	$1,630.00 (+6.68%)	$209,500 (+39.3%) Land $209,500
2023	$1,528.00 (-84.2%)	$150,400 (-84.29%) Land $150,400
2022	$9,671.00	$957,500 Land $703,000 Building $254,500

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 · 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
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	Severe Storms And Flooding, Mar 2010 · 4 claims Hurricane Gloria, Sep 1985 · 2 claims

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	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.

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

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, Breezeline, Frontier, Xfinity.

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