51 Terrace Ave, Westerly, RI 02891 Property Records

Westerly Town property record for 51 Terrace Ave, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 2021
Lot Size	0.123 acres (5,371 sqft)
Owner	Company Name on File
Last Sale	$640,000 (Jan 2022)
Tax Bill	$5,042 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:131 B:5-A L`

Property Details

APN / Parcel Number

Primary APN	`M:131 B:5-A L`
Alternative APNs	`WEST M:131 B:5 L:A` `18074540`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	2,700 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,371 sqft (0.123 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	18074540
Street Address	51 TERRACE AVE
City	WESTERLY
State	RI
Zip	02891-4428
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	5
Legal Lot Number	A
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2038
Census Tract	51000

Owner

51 Terrace Ave, a residential property, is owned by a company that bought it in January 2022.

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

Owner of Record	Company Name on File
Mailing Address	16 HUNTERS LN, NATICK, MA 01760-4911
Owner Type	Company
Vesting	Company

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
Jan 20, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST REPUBLIC BANK
Jun 15, 2020	Deed of Trust, Mortgage JIF INV CO INC
Dec 20, 2019	Warranty Deed, Transfer SANDRA L BLIVEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2022 · Amount on File
Deed Sale	Jan 20, 2022 · Amount on File
Prior Sale	Dec 20, 2019 · Amount on File
Deed Document Number	2022269
Deed Book / Page	2022 / 1051
Transfer Doc	1778-297
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jan 20, 2022
Property Address	51 TERRACE AVE, WESTERLY, RI 02891-4428
Document Number	02022-1051
Book / Page	2022 / 1051
Instrument Date	Jan 20, 2022
Instrument	2022-269
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Amount	Amount on Record
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
Address	16 HUNTERS LN, NATICK, MA 01760-4911

Mortgage

Document Number	0002022270
Date	Jan 20, 2022
Instrument	2022-270

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.65%
Type Change Date	Feb 1, 2032
Max Rate At Change	2.5%
Index	1-Year CMT

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	51 TERRACE AVE, WESTERLY, RI 02891-4428
Document Number	2020-1451
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	51 TERRACE AVE WESTERLY RI 02891, WESTERLY, RI 02891

Mortgage

Document Number	2020-1451
Date	Jun 17, 2020
Book Page	002020/011451
Instrument	2636

Lender

Name	JIF INV CO INC

Agreement

Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 20, 2019
Property Address	51 TERRACE AVE, WESTERLY, RI 02891-4428
Document Number	2019-2027
Book / Page	002019 / 022027
Instrument Date	Dec 19, 2019
Instrument	5497
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 FLETCHER DR WESTERLY RI 028915806, WESTERLY, RI 02891-5806

Mortgage

Document Number	2019-2030
Date	Dec 20, 2019
Book Page	002019/022030
Instrument	5498

Lender

Name	SANDRA L BLIVEN

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 51 Terrace Ave was $5,042.

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	$5,042.00	$709,200 Land $311,200 Building $398,000	$811,301
2023	$5,122.00 (+7.31%)	$532,400 (+6.63%) Land $222,300 Building $310,100
2022	$4,773.00	$499,300 Land $222,300 Building $277,000

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

Flood

FEMA maps place 51 Terrace Ave in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1985.

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
Flood Insurance Cost	Premium on File median of 140 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	143 units insured incl. 3 condo units
Nearby Flood Claims	28 (1985–2021)
Claims Outside the SFHA	8 of 28
Most Recent Claim	Sep 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 14 claims Severe Storms And Flooding, Apr 2010 · 8 claims

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 51 Terrace Ave is low, with 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 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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