34 Cosmo St, Westerly, RI 02891 Property Records

Westerly Town property record for 34 Cosmo St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,888 sqft · built 1987
Lot Size	0.469 acres (20,436 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Jul 2020)
Tax Bill	$4,093 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:102 B:81`

Property Details

APN / Parcel Number

Primary APN	`WEST M:102 B:81`
Alternative APNs	`M:102 B:81 L` `2147033`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,888 sqft Living Area
Gross Area	5,274 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,436 sqft (0.469 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2147033
Street Address	34 COSMO ST
City	WESTERLY
State	RI
Zip	02891-5913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	81
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2041
Census Tract	50902

Owner

Source: Westerly Town records, as of June 22, 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	34 COSMO ST, WESTERLY, RI 02891-5913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 26, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2020 · Amount on Record
Deed Sale	Jul 2, 2020 · Amount on Record
Prior Sale	Dec 10, 2003 · Amount on Record
Deed Document Number	20202929
Deed Book / Page	2020 / 12707
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	34 COSMO ST, WESTERLY, RI 02891-5913
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-20601
Date	Aug 11, 2021
Book Page	2021/20601
Instrument	2021-4590

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Sep 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	34 COSMO ST, WESTERLY, RI 02891-5913
Document Number	2020-2708
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 COSMO ST WESTERLY RI 028915913, WESTERLY, RI 02891-5913

Mortgage

Document Number	2020-2708
Date	Jul 2, 2020
Book Page	002020/012708
Instrument	2930

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 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
2025	$4,093.00 (+1.89%)	$575,700 (+37.86%) Land $186,100 Building $389,600
2023	$4,017.00 (+0.63%)	$417,600 (-) Land $132,900 Building $284,700
2022	$3,992.00	$417,600 Land $132,900 Building $284,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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