38 Granite St, Westerly, RI 02891 Property Records

Westerly Town property record for 38 Granite St, Westerly, RI 02891

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 2,500 sqft · built 1900
Lot Size	0.255 acres (11,108 sqft)
Owner	Individual Name on Record
Last Sale	$278,250 (Dec 2017)
Tax Bill	$4,120 (2025)
Deeds & Mortgages	Feb 2021 Refinance Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:57 B:121`

Property Details

APN / Parcel Number

Primary APN	`WEST M:57 B:121`
Alternative APNs	`M:057 B:121 L` `13163740`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,500 sqft Living Area
Gross Area	4,352 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,108 sqft (0.255 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	13163740
Street Address	38 GRANITE ST
City	WESTERLY
State	RI
Zip	02891-7408
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	121
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	4
Census Block	4008
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 9, 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	38 GRANITE ST, WESTERLY, RI 02891-7408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Dec 1, 2017	Warranty Deed, Transfer · Conventional with PMI KATHLEEN M MELENEY
Sep 18, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Prior Sale	Oct 17, 2014 · Amount on Record
Deed Document Number	20175303
Transfer Doc	4045
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	38 GRANITE ST, WESTERLY, RI 02891-7408
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021-3385
Date	Feb 8, 2021
Book Page	2021/3385
Instrument	2021-713

Lender

Name	HARBORONE MORTGAGE

Agreement

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

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 1, 2017
Property Address	38 GRANITE ST, WESTERLY, RI 02891-7408
Document Number	2017-1431
Book / Page	002017 / 021431
Instrument Date	Nov 29, 2017
Instrument	5303
Transaction Type	Transfer
Record Updated	May 1, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$278.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1288 SOUTH RD EAST GREENWICH RI 028181036, EAST GREENWICH, RI 02818-1036

Mortgage

Document Number	2017-1433
Date	Dec 1, 2017
Book Page	002017/021433
Instrument	5304

Lender

Name	KATHLEEN M MELENEY

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 18, 2017
Property Address	38 GRANITE ST, WESTERLY, RI 02891-7408
Document Number	2017-6490
Book / Page	002017 / 016490
Instrument Date	Aug 31, 2017
Instrument	4045
Transaction Type	Transfer
Record Updated	Oct 4, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

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	$4,120.00 (+6.57%)	$529,600 (+39.19%) Land $157,200 Building $372,400
2023	$3,866.00 (+0.6%)	$380,500 (-) Land $112,300 Building $268,200
2022	$3,843.00	$380,500 Land $112,300 Building $268,200

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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