38 Pearl St, Westerly, RI 02891 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,014 sqft · built 1939
Lot Size	0.268 acres (11,663 sqft)
Owner	Individual Name on File
Last Sale	$154,500 (Nov 1997)
Tax Bill	$3,669 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:37 B:150`

Property Details

APN / Parcel Number

Primary APN	`WEST M:37 B:150`
Alternative APNs	`M:037 B:150 L` `19353700`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,014 sqft Living Area
Gross Area	5,310 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,663 sqft (0.268 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	19353700
Street Address	38 PEARL ST
City	WESTERLY
State	RI
Zip	02891-1667
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	150
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1025
Census Tract	50801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North End Historic District listed 2006 · 296 contributing resources · NRIS 06000298

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

38 Pearl St is owned and occupied by an individual who bought it in November 1997.

Source: Westerly Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	38 PEARL ST, WESTERLY, RI 02891-1667
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Dec 11, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 1997 · Amount on File
Deed Sale	Nov 24, 1997 · Amount on File
Prior Sale	Sep 4, 1990 · Amount on File
Deed Book / Page	672 / 331
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	38 PEARL ST, WESTERLY, RI 02891-1667
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025-14437
Date	Oct 6, 2025
Book Page	2025/14437
Instrument	2025-3461

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	38 PEARL ST, WESTERLY, RI 02891-1667
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-7979
Date	Apr 22, 2022
Book Page	2022/7979
Instrument	2022-1867

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	38 PEARL ST, WESTERLY, RI 02891-1667
Document Number	2018-186
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 PEARL ST WESTERLY RI 028911667, WESTERLY, RI 02891-1667

Mortgage

Document Number	2018-186
Date	Jan 5, 2018
Book Page	002018/000186
Instrument	54

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 38 Pearl St was $3,669.

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	$3,669.00	$471,600 Land $145,700 Building $325,900	$593,247
2023	$3,609.00 (+0.59%)	$355,200 (-) Land $104,500 Building $250,700
2022	$3,588.00	$355,200 Land $104,500 Building $250,700

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

Flood

FEMA maps place 38 Pearl St in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 38 Pearl St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 300 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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