Westerly Town property record for 38 Terrace Ave, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1978 |
| Lot Size | 0.099 acres (4,303 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,558 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:142 B:54 |
| Primary APN | WEST M:142 B:54 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 1,834 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,303 sqft (0.099 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 8143205 |
|---|---|
| Street Address | 38 TERRACE AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 54 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 51000 |
38 Terrace Ave is owner-occupied and held in a trust.
Source: Westerly Town records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 38 TERRACE AVE, WESTERLY, RI 02891-4448 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 38 Terrace Ave was $3,558.
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,558.00 | $500,400 Land $300,600 Building $199,800 | $595,971 |
| 2023 | $3,691.00 (+0.63%) | $383,700 (-) Land $214,700 Building $169,000 | |
| 2022 | $3,668.00 | $383,700 Land $214,700 Building $169,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Terrace Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 140 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 143 units insured incl. 3 condo units |
| Nearby Flood Claims | 28 (1985–2021) |
| Claims Outside the SFHA | 8 of 28 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 38 Terrace Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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