39 Cosmo St, Westerly, RI 02891 Property Records

Westerly Town property record for 39 Cosmo St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,960 sqft · built 1998
Lot Size	0.509 acres (22,178 sqft)
Owner	2 Company Names on Record
Last Sale	$30,000 (Jun 1998)
Tax Bill	$3,347 (2025)
Deeds & Mortgages	Nov 2025 Transfer Aug 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:102 B:45`

Property Details

APN / Parcel Number

Primary APN	`WEST M:102 B:45`
Alternative APNs	`M:102 B:45 L` `3138610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,960 sqft Living Area
Gross Area	3,576 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
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	3138610
Street Address	39 COSMO ST
City	WESTERLY
State	RI
Zip	02891-5912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	45
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2041
Census Tract	50902

Owner

Source: Westerly Town records, as of June 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	39 COSMO ST, WESTERLY, RI 02891-5912
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Quit Claim Deed, Transfer Quitclaim
Aug 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU
May 29, 2018	Deed of Trust, Mortgage WESTERLY COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 1998 · Amount on Record
Deed Sale	Jun 30, 1998 · Amount on Record
Deed Book / Page	709 / 264
Last Transfer Date	Nov 21, 2025
Transfer Doc	2025-17303
Record Updated	Sep 20, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 25, 2025
Property Address	39 COSMO ST, WESTERLY, RI 02891-5912
Document Number	2025-17303
Book / Page	2025 / 17303
Instrument Date	Nov 21, 2025
Instrument	2025-4174
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 COSMO ST, WESTERLY, RI 02891-5912

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	39 COSMO ST, WESTERLY, RI 02891-5912
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023-11203
Date	Aug 25, 2023
Book Page	2023/11203
Instrument	2023-2775

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	145 Months
Due	Sep 1, 2035

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	39 COSMO ST, WESTERLY, RI 02891-5912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018-8490
Date	May 29, 2018
Book Page	2018/8490
Instrument	2150

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 1, 2028

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	$3,347.00 (-2.28%)	$470,800 (+32.25%) Land $168,000 Building $302,800
2023	$3,425.00 (+0.65%)	$356,000 (-) Land $120,100 Building $235,900
2022	$3,403.00	$356,000 Land $120,100 Building $235,900

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

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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