4 Oyster Cv, Westerly, RI 02891 Property Records

Westerly Town property record for 4 Oyster Cv, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	3,275 sqft · built 2022
Lot Size	0.358 acres (15,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Nov 2018)
Tax Bill	$14,670 (2025)
Deeds & Mortgages	Jul 2022 Refinance Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:151 B:27-N L`

Property Details

APN / Parcel Number

Primary APN	`M:151 B:27-N L`
Alternative APNs	`WEST M:151 B:27 L:N` `7166645`

Interior

Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,275 sqft Living Area
Gross Area	5,900 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	15,583 sqft (0.358 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7166645
Street Address	4 OYSTER CV
City	WESTERLY
State	RI
Zip	02891-4124
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	27
Legal Lot Number	N
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3037
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	2 Individual Names on Record
Mailing Address	4 OYSTER CV, WESTERLY, RI 02891-4124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CENTREVILLE BANK
Nov 30, 2018	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON TR MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2018 · Amount on Record
Deed Sale	Nov 30, 2018 · Amount on Record
Deed Document Number	20185073
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 OYSTER CV, WESTERLY, RI 02891-4124
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022-12873
Date	Jul 13, 2022
Book Page	2022/12873
Instrument	2022-3038

Lender

Name	CENTREVILLE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2053

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 30, 2018
Property Address	4 OYSTER CV, WESTERLY, RI 02891-4124
Document Number	2018-426
Book / Page	002018 / 020426
Instrument Date	Nov 20, 2018
Instrument	5073
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 RED GAP RD WILBRAHAM MA 010952357, WILBRAHAM, MA 01095-2357

Mortgage

Document Number	2018-430
Date	Nov 30, 2018
Book Page	002018/020430
Instrument	5074

Lender

Name	WASHINGTON TR MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Nov 29, 2021

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	$14,670.00 (+298.64%)	$1,885,600 (+420.6%) Land $673,000 Building $1,212,600	$1,943,656
2023	$3,680.00 (+37.67%)	$362,200 (+36.83%) Land $290,700 Building $71,500
2022	$2,673.00	$264,700 Land $264,700

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 · 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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (2009–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 505 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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