53 Terrace Ave, Westerly, RI 02891 Property Records

Westerly Town property record for 53 Terrace Ave, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 825 sqft · built 1955
Lot Size	0.08 acres (3,487 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Dec 2017)
Tax Bill	$2,851 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:131 B:4`

Property Details

APN / Parcel Number

Primary APN	`WEST M:131 B:4`
Alternative APNs	`M:131 B:4 L` `6113782`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	825 sqft Living Area
Gross Area	1,842 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,487 sqft (0.08 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6113782
Street Address	53 TERRACE AVE
City	WESTERLY
State	RI
Zip	02891-4428
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	4
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2038
Census Tract	51000

Owner

Source: Westerly Town records · APN WEST M:131 B:4

Assessment roll updated June 22, 2026 · Last verified June 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 File
Mailing Address	53 TERRACE AVE, WESTERLY, RI 02891-4428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 11, 2017 · Amount on Record
Deed Sale	Dec 11, 2017 · Amount on Record
Prior Sale	Jul 13, 1995 · Amount on Record
Deed Document Number	20175445
Record Updated	Sep 20, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 11, 2017
Property Address	53 TERRACE AVE, WESTERLY, RI 02891-4428
Document Number	2017-2038
Book / Page	002017 / 022038
Instrument Date	Dec 04, 2017
Instrument	5445
Transaction Type	Transfer
Record Updated	Jan 03, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	53 TERRACE AVE WESTERLY RI 028914428, WESTERLY, RI 02891-4428

Mortgage

Document Number	2017-2040
Date	Dec 11, 2017
Book Page	002017/022040
Instrument	5446

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$2,851.00 (-2.36%)	$401,000 (+32.13%) Land $279,800 Building $121,200
2023	$2,920.00 (+0.65%)	$303,500 (-) Land $199,900 Building $103,600
2022	$2,901.00	$303,500 Land $199,900 Building $103,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: T-Mobile USA.

Based on FCC filings for 86 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WESTERLY WATER DEPARTMENT serves 35,298 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.