Westerly Town property record for 7 Cottage St, Westerly, RI 02891 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1918 |
| Square Footage | 840 sqft Living Area |
| Lot Size | 10,634 sqft (0.244 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $374,900 (2025) |
| Tax Bill | $1,900.00 (2025) |
| Primary APN | WEST M:26 B:25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 840 sqft Living Area |
| Gross Area | 1,752 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 10,634 sqft (0.244 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Account Number | 11077197 |
|---|---|
| Street Address | 7 COTTAGE ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1237 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 25 |
| Jurisdiction | WESTERLY RI |
| Minor Civil Division | WESTERLY |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 50901 |
Source: Westerly Town records · APN WEST M:26 B:25
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 7 COTTAGE ST, WESTERLY, RI 02891-1237 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Date | Document |
|---|---|
| May 13, 2025 | Deed of Trust, Mortgage NAVIGANT CREDIT UNION |
| Aug 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 21, 2025 · Amount on Record |
| Deed Sale | Aug 21, 2025 · Amount on Record |
| Prior Sale | May 14, 2009 · Amount on Record |
| Deed Book / Page | 2025 / 11627 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 7 COTTAGE ST, WESTERLY, RI 02891-1237 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02025-5725 |
|---|---|
| Date | May 13, 2025 |
| Book Page | 2025/5725 |
| Instrument | 2025-1446 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 121 Months |
| Due | Jun 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Aug 21, 2025 |
| Property Address | 7 COTTAGE ST, WESTERLY, RI 02891-1237 |
| Document Number | 2025-11627 |
| Book / Page | 2025 / 11627 |
| Instrument Date | Aug 21, 2025 |
| Instrument | 2025-2760 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Document Number | 0020252761 |
|---|---|
| Date | Aug 21, 2025 |
| Instrument | 2025-2761 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2055 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,900.00 (+1.99%) | $244,200 (+33.15%) Land $132,900 Building $111,300 |
| 2023 | $1,863.00 (+0.59%) | $183,400 (-) Land $94,900 Building $88,500 |
| 2022 | $1,852.00 | $183,400 Land $94,900 Building $88,500 |
7 Cottage St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · County delivery 44009C updated December 26, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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