1 Bay St, #1C, Westerly, RI 02891 Property Records

Westerly Town property record for 1 Bay St, #1C, Westerly, RI 02891

Property Summary

Property Type	Commercial Condominium
Details	7 bd · 8 ba · 600 sqft · built 1890
Owner	Company Name on File
Tax Bill	$2,155 (2025)
Deeds & Mortgages	Jul 2021 Refinance Jul 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`15025304`

Property Details

APN / Parcel Number

Primary APN	`15025304`
Alternative APN	`WEST M:179 B:3 L:A U:1C`

Interior

Bedrooms	7 Beds
Full Baths	8 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	600 sqft Total Area
1st Floor Area	333 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Condo/Apartment

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15025304
Street Address	1 BAY ST, 1C
City	WESTERLY
State	RI
Zip	02891-5752
Property Category	Commercial
Property Type	Commercial > Retail > Commercial Condominium
Legal Block	3
Legal Lot Number	A
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1036
Census Tract	51000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Watch Hill Historic District listed 1985 · 179 contributing resources · NRIS 85001948

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1 Bay St, #1C, a commercial property, is owned by a company.

Source: Westerly Town records, as of June 22, 2026

Owner of Record	Company Name on File
Mailing Address	1 BAY ST, C, WESTERLY, RI 02891-5745
Owner Type	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
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Jul 23, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	1 BAY ST UNIT 1C, 1C, WESTERLY, RI 02891-5745
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-17755
Date	Jul 6, 2021
Book Page	2021/17755
Instrument	2021-3984

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jul 23, 2020
Property Address	1 BAY ST UNIT 1C, 1C, WESTERLY, RI 02891-5745
Document Number	2020-4335
Book / Page	002020 / 014335
Instrument Date	Jul 23, 2020
Instrument	3327
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 BAY ST #1C WESTERLY RI 028915745, 1C, WESTERLY, RI 02891-5745

Tax Assessment & Valuation

The 2025 property tax bill for 1 Bay St, #1C was $2,155.

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	$2,155.00	$303,100 Building $303,100
2023	$2,756.00 (+0.62%)	$286,500 (-) Building $286,500
2022	$2,739.00	$286,500 Building $286,500

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

Flood

FEMA maps place 1 Bay St, #1C in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 456 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	506 units insured incl. 50 condo units
Nearby Flood Claims	157 (1978–2024)
Claims Outside the SFHA	22 of 157
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 86 claims Severe Storms And Flooding, Mar 2010 · 9 claims Hurricane Bob, Aug 1991 · 14 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 1 Bay St, #1C is low, with less than 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 94% of the US · lower than 80% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay St

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