4 Pearl St, Westerly, RI 02891 Property Records

Westerly Town property record for 4 Pearl St, Westerly, RI 02891

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 2,852 sqft · built 1928
Lot Size	0.368 acres (16,019 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Dec 2025)
Tax Bill	$2,966 (2025)
Deeds & Mortgages	Sep 2021 Refinance Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:47 B:84`

Property Details

APN / Parcel Number

Primary APN	`WEST M:47 B:84`
Alternative APNs	`M:047 B:84 L` `19292546`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	4 Units
Stories	2 Stories
Building Area	2,852 sqft Living Area
Gross Area	5,740 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,019 sqft (0.368 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	19292546
Street Address	4 PEARL ST
City	WESTERLY
State	RI
Zip	02891-1796
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Block	84
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1027
Census Tract	50801

Owner

4 Pearl St, a residential property, is owned by an individual who bought it in December 2025.

Source: Westerly Town records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1295, WESTERLY, RI 02891-0900
Owner Type	Individual
Vesting	Individual(s)

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
Sep 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Dec 12, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
Sep 28, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 23, 2019	Deed of Trust, Mortgage HOMEWARD RESID'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Prior Sale	Jan 29, 1993 · Amount on File
Deed Book / Page	2025 / 18125
Prior Transfer Date	Sep 15, 2021
Prior Transfer Doc	2021-24334
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 PEARL ST, WESTERLY, RI 02891-1796
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-24315
Date	Sep 28, 2021
Book Page	2021/24315
Instrument	2021-5444

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 12, 2025
Property Address	4 PEARL ST, WESTERLY, RI 02891-1796
Document Number	2025-18125
Book / Page	2025 / 18125
Instrument Date	Dec 12, 2025
Instrument	2025-4368
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1295, WESTERLY, RI 02891-0900

Mortgage

Document Number	0020254369
Date	Dec 12, 2025
Instrument	2025-4369

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 28, 2021
Property Address	4 PEARL ST, WESTERLY, RI 02891-1796
Document Number	2021-24334
Book / Page	2021 / 24334
Instrument Date	Sep 15, 2021
Instrument	2021-5445
Transaction Type	Transfer
Record Updated	Nov 20, 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
Relationship	Tenants by the Entirety
Address	4 PEARL ST, WESTERLY, RI 02891-1796

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 PEARL ST, WESTERLY, RI 02891-1796
Document Number	2019-1856
Instrument Date	Jan 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 PEARL ST WESTERLY RI 028911796, WESTERLY, RI 02891-1796

Mortgage

Document Number	2019-1856
Date	Feb 6, 2019
Book Page	002019/001856
Instrument	458

Lender

Name	HOMEWARD RESID'L

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4 Pearl St was $2,966.

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	$2,966.00	$381,200 Land $146,800 Building $234,400
2023	$2,414.00 (+0.58%)	$237,600 (-) Land $105,600 Building $132,000
2022	$2,400.00	$237,600 Land $105,600 Building $132,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4 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

The area around 4 Pearl St 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.

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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