37 Cosmo St, Westerly, RI 02891 Property Records

Westerly Town property record for 37 Cosmo St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,240 sqft · built 2006
Lot Size	0.509 acres (22,178 sqft)
Owner	Individual Name on Record
Tax Bill	$4,050 (2025)
Deeds & Mortgages	Jul 2022 Refinance Jan 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WEST M:102 B:46`

Property Details

APN / Parcel Number

Primary APN	`WEST M:102 B:46`
Alternative APNs	`M:102 B:46 L` `10027525`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
Gross Area	4,012 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,178 sqft (0.509 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	10027525
Street Address	37 COSMO ST
City	WESTERLY
State	RI
Zip	02891-5912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	46
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2041
Census Tract	50902

Owner

Source: Westerly Town records, as of October 20, 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	37 COSMO ST, WESTERLY, RI 02891-5912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jan 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	37 COSMO ST, WESTERLY, RI 02891-5912
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022-13178
Date	Jul 20, 2022
Book Page	2022/13178
Instrument	2022-3115

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2047

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	37 COSMO ST, WESTERLY, RI 02891-5912
Transaction Type	Mortgage
Record Updated	Jan 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022-636
Date	Jan 14, 2022
Book Page	2022/636
Instrument	2022-182

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

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	Assessed Market Value
2025	$4,050.00 (+3.03%)	$569,600 (+39.4%) Land $177,300 Building $392,300	$610,423
2023	$3,931.00 (+0.64%)	$408,600 (-) Land $126,800 Building $281,800
2022	$3,906.00	$408,600 Land $126,800 Building $281,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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