49 Elm St, Westerly, RI 02891 Property Records

Westerly Town property record for 49 Elm St, Westerly, RI 02891

Property Summary

Property Type	Triplex
Details	5 bd · 3.5 ba · 3,245 sqft · built 1880
Lot Size	0.288 acres (12,534 sqft)
Owner	Individual Name on Record
Last Sale	$262,500 (Sep 2019)
Tax Bill	$6,149 (2025)
Deeds & Mortgages	Feb 2022 Refinance Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:76 B:101`

Property Details

APN / Parcel Number

Primary APN	`WEST M:76 B:101`
Alternative APNs	`M:076 B:101 L` `19348280`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	3 Units
Stories	2 Stories
Building Area	3,245 sqft Living Area
Gross Area	6,082 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,534 sqft (0.288 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	19348280
Street Address	49 ELM ST
City	WESTERLY
State	RI
Zip	02891-7127
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	101
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3007
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	11 ELM ST, WESTERLY, RI 02891-2125
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Sep 27, 2019	Executor's Deed, Transfer WASHINGTON TR CO
Sep 27, 2019	Executor's Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	Sep 27, 2019 · Amount on Record
Deed Document Number	20194116
Deed Book / Page	2019 / 16137
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	49 ELM ST, WESTERLY, RI 02891-7127
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-2573
Date	Feb 7, 2022
Book Page	2022/2573
Instrument	2022-619

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2051

September 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 27, 2019
Property Address	49 ELM ST, WESTERLY, RI 02891-7127
Document Number	2019-6137
Book / Page	002019 / 016137
Instrument Date	Sep 18, 2019
Instrument	4116
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 CIDER MILL RD SANDY HOOK CT 064821586, SANDY HOOK, CT 06482-1586

Mortgage

Document Number	2019-6145
Date	Sep 27, 2019
Book Page	002019/016145
Instrument	4119

Lender

Name	WASHINGTON TR CO

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

Interest

Rate Type	Adjustable Rate

September 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 27, 2019
Property Address	49 ELM ST, WESTERLY, RI 02891-7127
Document Number	2019-6135
Book / Page	002019 / 016135
Instrument Date	Sep 18, 2019
Instrument	4115
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$262.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 CIDER MILL RD SANDY HOOK CT 064821586, SANDY HOOK, CT 06482-1586

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	$6,149.00 (+13.2%)	$790,400 (+47.85%) Land $240,800 Building $549,600
2023	$5,432.00 (+0.61%)	$534,600 (-) Land $172,800 Building $361,800
2022	$5,399.00	$534,600 Land $172,800 Building $361,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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	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 361 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

May also be available: AT&T, Breezeline, Frontier, Xfinity.

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