10 Mockingbird Ln, Westerly, RI 02891 Property Records

Westerly Town property record for 10 Mockingbird Ln, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1962
Lot Size	0.312 acres (13,583 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Jul 2022)
Tax Bill	$3,180 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:97 B:159`

Property Details

APN / Parcel Number

Primary APN	`WEST M:97 B:159`
Alternative APNs	`M:097 B:159 L` `3125503`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	2,956 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,583 sqft (0.312 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3125503
Street Address	10 MOCKINGBIRD LN
City	WESTERLY
State	RI
Zip	02891-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	159
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2055
Census Tract	50802

Owner

Source: Westerly Town records, as of October 20, 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	10 MOCKINGBIRD LN, WESTERLY, RI 02891-3010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2025	Deed of Trust, Mortgage · Line of Credit WESTERLY COMMUNITY CU
Jul 27, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage THE WASHINGTON TRUST CO OF WESTERLY
Mar 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 29, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Feb 8, 2019 · Amount on Record
Deed Document Number	20223238
Deed Book / Page	2022 / 13658
Transfer Doc	02019-2020
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	10 MOCKINGBIRD LN, WESTERLY, RI 02891-3010
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025-8083
Date	Jun 16, 2025
Book Page	2025/8083
Instrument	2025-1890

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2050

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jul 27, 2022
Property Address	10 MOCKINGBIRD LN, WESTERLY, RI 02891-3010
Document Number	2022-13658
Book / Page	2022 / 13658
Instrument Date	Jul 27, 2022
Instrument	2022-3238
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
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	10 MOCKINGBIRD LN, WESTERLY, RI 02891-3010

Mortgage

Document Number	0020223239
Date	Jul 27, 2022
Instrument	2022-3239

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Aug 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	10 MOCKINGBIRD LN, WESTERLY, RI 02891-3010
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-5769
Date	Mar 4, 2021
Book Page	2021/5769
Instrument	2021-1246

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	10 MOCKINGBIRD LN, WESTERLY, RI 02891-3010
Document Number	2019-991
Instrument Date	Nov 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MOCKINGBIRD LN WESTERLY RI 028913010, WESTERLY, RI 02891-3010

Mortgage

Document Number	2019-991
Date	Dec 10, 2019
Book Page	002019/020991
Instrument	5305

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

Tax Assessment & Valuation

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	$3,180.00 (+1.76%)	$408,700 (+32.87%) Land $170,100 Building $238,600	$470,908
2023	$3,125.00 (+2.19%)	$307,600 (+1.59%) Land $121,500 Building $186,100
2022	$3,058.00	$302,800 Land $121,500 Building $181,300

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

Flood

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	Hurricane Sandy, Oct 2012 · 2 claims Severe Storms And Flooding, Mar 2010 · 5 claims Hurricane Bob, Aug 1991 · 2 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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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