11 W Ridge Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 11 W Ridge Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 4.5 ba · 4,192 sqft · built 1970
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on File
Last Sale	$1,900,000 (Feb 2021)
Tax Bill	$19,997 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:173 B:36-A L`

Property Details

APN / Parcel Number

Primary APN	`M:173 B:36-A L`
Alternative APNs	`WEST M:173 B:36 L:A` `19207295`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,192 sqft Living Area
Gross Area	6,195 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	51,836 sqft (1.19 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19207295
Street Address	11 W RIDGE RD
City	WESTERLY
State	RI
Zip	02891-5619
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	36
Legal Lot Number	A
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1090
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

11 W Ridge Rd, a residential property, is owned by two individuals who acquired it in April 2021.

Source: Westerly Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	125 E 84TH ST, 9A, NEW YORK, NY 10028-0902
Owner Type	Individual

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
Apr 9, 2021	Quit Claim Deed, Transfer · ARM MORGAN STANLEY CREDIT CORP
Feb 12, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2021 · Amount on File
Deed Sale	Feb 12, 2021 · Amount on File
Prior Sale	Sep 30, 1998 · Amount on File
Deed Document Number	2021843
Deed Book / Page	2021 / 3910
Last Transfer Date	Apr 9, 2021
Transfer Doc	0000002075
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Apr 9, 2021
Property Address	11 W RIDGE RD, WESTERLY, RI 02891-5619
Document Number	02021-9179
Book / Page	2021 / 9179
Instrument Date	Apr 9, 2021
Instrument	2021-2075
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	125 E 84TH ST # 9A, 9A, NEW YORK, NY 10028-0902

Mortgage

Document Number	02021-9182
Date	Apr 9, 2021
Book Page	2021/9182
Instrument	2021-2076

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.4%
Type Change Date	May 1, 2031
Index	Other
Margin	3

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Feb 12, 2021
Property Address	11 W RIDGE RD, WESTERLY, RI 02891-5619
Document Number	02021-3910
Book / Page	2021 / 3910
Instrument Date	Feb 3, 2021
Instrument	2021-843
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Amount	Amount 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	125 E 84TH ST # 9A, 9A, NEW YORK, NY 10028-0902

Tax Assessment & Valuation

The 2025 property tax bill for 11 W Ridge Rd was $19,997.

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	$19,997.00	$2,812,500 Land $1,651,400 Building $1,161,100	$3,299,558
2023	$20,696.00 (+9.53%)	$2,151,400 (+8.85%) Land $1,183,800 Building $967,600
2022	$18,895.00	$1,976,500 Land $1,183,800 Building $792,700

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

Flood

FEMA maps place 11 W Ridge Rd in Zone X, an area of minimal flood risk, though there have been 157 flood claims nearby since 1978.

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 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 11 W Ridge Rd is low, with 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 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 101 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

Cell Coverage

5G (outdoors only) and 4G LTE

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