42 Oak St, Westerly, RI 02891 Property Records

Westerly Town property record for 42 Oak St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,915 sqft · built 1927
Lot Size	0.388 acres (16,890 sqft)
Owner	Individual Name on Record
Last Sale	$159,000 (Mar 2000)
Tax Bill	$3,624 (2025)
Deeds & Mortgages	Dec 2023 Refinance Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:47 B:149`

Property Details

APN / Parcel Number

Primary APN	`WEST M:47 B:149`
Alternative APNs	`M:047 B:149 L` `18039410`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,915 sqft Living Area
Gross Area	4,857 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,890 sqft (0.388 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	18039410
Street Address	42 OAK ST
City	WESTERLY
State	RI
Zip	02891-1741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	149
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2001
Census Tract	50801

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	42 OAK ST, WESTERLY, RI 02891-1741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PRIMARY RESIDENTIAL MORTGAGE
Sep 21, 2020	Deed of Trust, Mortgage · Conventional with PMI PRIMARY RESID'L MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2000 · Amount on Record
Deed Sale	Mar 28, 2000 · Amount on Record
Deed Book / Page	820 / 345
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	42 OAK ST, WESTERLY, RI 02891-1741
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023-16436
Date	Dec 8, 2023
Book Page	2023/16436
Instrument	2023-4094

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	42 OAK ST, WESTERLY, RI 02891-1741
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-25423
Date	Oct 12, 2021
Book Page	2021/25423
Instrument	2021-5690

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	42 OAK ST, WESTERLY, RI 02891-1741
Document Number	2020-121
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 OAK ST WESTERLY RI 028911741, WESTERLY, RI 02891-1741

Mortgage

Document Number	2020-121
Date	Sep 25, 2020
Book Page	002020/020121
Instrument	4591

Lender

Name	PRIMARY RESID'L MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Sep 24, 2035

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	$3,624.00 (+5.38%)	$465,800 (+37.61%) Land $147,100 Building $318,700
2023	$3,439.00 (+0.58%)	$338,500 (-) Land $105,900 Building $232,600
2022	$3,419.00	$338,500 Land $105,900 Building $232,600

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 · 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

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	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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures