Westerly Town property record for 8 Charles Ave, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,242 sqft · built 1940 |
| Lot Size | 0.34 acres (14,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $465,000 (Aug 2025) |
| Tax Bill | $2,903 (2025) |
| Deeds & Mortgages | Apr 2025 Line of Credit Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:98 B:13 |
| Primary APN | WEST M:98 B:13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,242 sqft Living Area |
| Gross Area | 3,044 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,800 sqft (0.34 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 16106670 |
|---|---|
| Street Address | 8 CHARLES AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-2708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 13 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 50802 |
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 | 8 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Apr 1, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Aug 20, 2025 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2025 · Amount on Record |
| Deed Sale | Aug 20, 2025 · Amount on Record |
| Prior Sale | Feb 29, 2008 · Amount on Record |
| Deed Book / Page | 2025 / 11466 |
| Transfer Doc | 1776-143 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 8 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02025-3868 |
|---|---|
| Date | Apr 1, 2025 |
| Book Page | 2025/3868 |
| Instrument | 2025-971 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 1, 2065 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Aug 20, 2025 |
| Property Address | 8 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Document Number | 2025-11466 |
| Book / Page | 2025 / 11466 |
| Instrument Date | Aug 20, 2025 |
| Instrument | 2025-2732 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 CHARLES AVE, WESTERLY, RI 02891-2708 |
| Document Number | 0020252733 |
|---|---|
| Date | Aug 20, 2025 |
| Instrument | 2025-2733 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,903.00 (-7.93%) | $373,100 (+20.24%) Land $148,300 Building $224,800 |
| 2023 | $3,153.00 (+0.61%) | $310,300 (-) Land $105,900 Building $204,400 |
| 2022 | $3,134.00 | $310,300 Land $105,900 Building $204,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Record median of 24 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 10 (1991–2024) |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 87 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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