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47 Oak St, Westerly, RI 02891 Property Records

Westerly Town property record for 47 Oak St, Westerly, RI 02891

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,977 sqft · built 1953
Lot Size2.87 acres (125,354 sqft)
Owner2 Individual Names on Record
Last Sale$230,000 (Nov 2019)
Tax Bill$3,692 (2025)
Deeds & MortgagesMar 2022 Refinance
Nov 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNWEST M:47 B:190

Property Details

APN / Parcel Number

Primary APNWEST M:47 B:190
Alternative APNs
  • M:047 B:190 L
  • 1098796

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,977 sqft Living Area
Gross Area3,733 sqft

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 1953
Architectural StyleCape Cod
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area125,354 sqft (2.87 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number1098796
Street Address47 OAK ST
CityWESTERLY
StateRI
Zip02891-1739
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block190
JurisdictionWESTERLY RI
Township / Civil DivisionWESTERLY
Census Block Group2
Census Block2002
Census Tract50801

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address47 OAK ST, WESTERLY, RI 02891-1739
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Mar 22, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
FREEDOM MORTGAGE CORP
Nov 22, 2019Warranty Deed, Transfer · Conventional Mortgage
WESTERLY CMNTY CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 22, 2019 · Amount on Record
Deed SaleNov 22, 2019 · Amount on Record
Prior SaleFeb 2, 2005 · Amount on Record
Deed Document Number20195072
Deed Book / Page2019 / 19925
Last Transfer DateAug 30, 2024
Transfer Doc2024-11400
Record UpdatedSep 20, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address47 OAK ST, WESTERLY, RI 02891-1739
Transaction TypeMortgage
Record UpdatedMar 31, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02022-5642
DateMar 22, 2022
Book Page2022/5642
Instrument2022-1327
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueApr 1, 2052

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWESTERLY RI
Recording DateNov 22, 2019
Property Address47 OAK ST, WESTERLY, RI 02891-1739
Document Number2019-9925
Book / Page002019 / 019925
Instrument DateNov 22, 2019
Instrument5072
Transaction TypeTransfer
Record UpdatedDec 10, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$230.00
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address47 OAK ST WESTERLY RI 028911739, WESTERLY, RI 02891-1739

Mortgage

Document Number2019-9926
DateNov 22, 2019
Book Page002019/019926
Instrument5073
Lender
NameWESTERLY CMNTY CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 21, 2049

Tax Assessment & Valuation

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionWesterly Town
Unified School DistrictWesterly School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2025$3,692.00 (+4.03%)$474,600 (+35.87%) Land $182,000 Building $292,600
2023$3,549.00 (+3.47%)$349,300 (+2.86%) Land $136,700 Building $212,600
2022$3,430.00$339,600 Land $136,700 Building $202,900

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 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 RiskLow
lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemWESTERLY WATER DEPARTMENT
serves 35,298 people · EPA ID RI1559512
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting22
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 442 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

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