34 Elm St, Westerly, RI 02891 Property Records

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

Property Summary

Property Type	Duplex
Details	5 bd · 4.5 ba · 4,852 sqft · built 1830
Lot Size	0.428 acres (18,632 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (May 2013)
Tax Bill	$8,423 (2025)
Deeds & Mortgages	Jul 2021 Refinance Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:066 B:92-A L`

Property Details

APN / Parcel Number

Primary APN	`M:066 B:92-A L`
Alternative APNs	`WEST M:66 B:92 L:A` `23087800`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,852 sqft Living Area
Gross Area	9,456 sqft

Exterior

Year Built	Built 1830
Effective Year Built	Effective 1830
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,632 sqft (0.428 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	23087800
Street Address	34 ELM ST
City	WESTERLY
State	RI
Zip	02891-2124
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	92
Legal Lot Number	A
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3004
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 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 ELM ST, WESTERLY, RI 02891-2124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2013 · Amount on Record
Deed Sale	May 3, 2013 · Amount on Record
Prior Sale	Dec 7, 2009
Deed Book / Page	2013 / 9371
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	34 ELM ST, WESTERLY, RI 02891-2124
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-18078
Date	Jul 13, 2021
Book Page	2021/18078
Instrument	2021-4068

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	34 ELM ST, WESTERLY, RI 02891-2124
Document Number	2020-2555
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 ELM ST WESTERLY RI 028912124, WESTERLY, RI 02891-2124

Mortgage

Document Number	2020-2555
Date	Jul 1, 2020
Book Page	002020/012555
Instrument	2900

Lender

Name	WASHINGTON TR CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 30, 2035

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	$8,423.00 (+5.3%)	$1,082,700 (+37.52%) Land $231,400 Building $851,300
2023	$7,999.00 (+0.59%)	$787,300 (-) Land $166,800 Building $620,500
2022	$7,952.00	$787,300 Land $166,800 Building $620,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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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