43 Oak St, Westerly, RI 02891 Property Records

Westerly Town property record for 43 Oak St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,597 sqft · built 1940
Lot Size	0.318 acres (13,841 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (May 2021)
Tax Bill	$3,087 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:47 B:192`

Property Details

APN / Parcel Number

Primary APN	`WEST M:47 B:192`
Alternative APNs	`M:047 B:192 L` `4183275`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,597 sqft Living Area
Gross Area	2,928 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,841 sqft (0.318 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4183275
Street Address	43 OAK ST
City	WESTERLY
State	RI
Zip	02891-1739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	192
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2002
Census Tract	50801

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	Individual Name on Record
Mailing Address	28 WALTON ST, WESTERLY, RI 02891-1248
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Mar 23, 2018	Trustee's Deed, Transfer · Conventional with PMI SAVINGS INSTITUTE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Mar 23, 2018 · Amount on Record
Deed Document Number	20212486-2787
Deed Book / Page	2021 / 12801
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	May 10, 2021
Property Address	43 OAK ST, WESTERLY, RI 02891-1739
Document Number	2021-12801
Book / Page	2021 / 12801
Instrument Date	May 7, 2021
Instrument	2486-2787
Transaction Type	Transfer
Record Updated	May 20, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Tenants in Common
Address	48 WALTON ST, WESTERLY, RI 02891-1247

Mortgage

Document Number	20212788
Date	May 10, 2021
Instrument	2021-2788

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 23, 2018
Property Address	43 OAK ST, WESTERLY, RI 02891-1739
Document Number	2018-4285
Book / Page	002018 / 004285
Instrument Date	Mar 20, 2018
Instrument	1107
Transaction Type	Transfer
Record Updated	Apr 10, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 OAK ST WESTERLY RI 028911739, WESTERLY, RI 02891-1739

Mortgage

Document Number	2018-4291
Date	Mar 23, 2018
Book Page	002018/004291
Instrument	1108

Lender

Name	SAVINGS INSTITUTE
Type	Federal Savings Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

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	$3,087.00 (-9.6%)	$396,800 (+18.06%) Land $131,900 Building $264,900	$484,778
2023	$3,415.00 (+0.59%)	$336,100 (-) Land $94,800 Building $241,300
2022	$3,395.00	$336,100 Land $94,800 Building $241,300

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
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.

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