45 Pearl St, Westerly, RI 02891 Property Records

Westerly Town property record for 45 Pearl St, Westerly, RI 02891

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,764 sqft · built 1890
Lot Size	0.238 acres (10,356 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Nov 2016)
Tax Bill	$2,882 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:37 B:139`

Property Details

APN / Parcel Number

Primary APN	`WEST M:37 B:139`
Alternative APNs	`M:037 B:139 L` `12203590`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,764 sqft Living Area
Gross Area	2,718 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,356 sqft (0.238 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	12203590
Street Address	45 PEARL ST
City	WESTERLY
State	RI
Zip	02891-1605
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	139
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1029
Census Tract	50801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North End Historic District listed 2006 · 296 contributing resources · NRIS 06000298

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

45 Pearl St, a duplex, is owned by an individual who bought it in November 2016.

Source: Westerly Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	5 BERRY DR, WESTERLY, RI 02891-1142
Owner Type	Individual

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
Nov 7, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) JEWETT CITY SAVINGS BANK
Nov 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage JEWETT CTY SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2016 · Amount on File
Deed Sale	Nov 2, 2016 · Amount on File
Prior Sale	Aug 29, 1996 · Amount on File
Deed Document Number	20164854
Transfer Doc	0000004854
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 PEARL ST, WESTERLY, RI 02891-1605
Transaction Type	Mortgage
Record Updated	Nov 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023-15135
Date	Nov 7, 2023
Book Page	2023/15135
Instrument	2023-3777

Lender

Name	JEWETT CITY SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	61 Months
Due	Dec 1, 2028

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 PEARL ST, WESTERLY, RI 02891-1605
Document Number	2019-1083
Instrument Date	Nov 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PEARL ST WESTERLY RI 028911605, WESTERLY, RI 02891-1605

Mortgage

Document Number	2019-1083
Date	Dec 12, 2019
Book Page	002019/021083
Instrument	5321

Lender

Name	JEWETT CTY SVGS BK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 11, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 45 Pearl St was $2,882.

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	$2,882.00	$370,500 Land $145,300 Building $225,200	$461,718
2023	$2,626.00 (+0.57%)	$258,500 (-) Land $104,100 Building $154,400
2022	$2,611.00	$258,500 Land $104,100 Building $154,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 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

Wildfire risk around 45 Pearl St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 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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